About Us

What we stand for

We understand that life doesn’t revolve around banking, but here, our banking revolves around you. That’s why at Stanford Federal Credit Union, you can DO MORE and BANK LESS.

As a not-for-profit credit union, we help you rid yourself of the typical bank hassles, fees and surprises.  That means you’ll enjoy lower interest rates on loans, higher rates on savings and investment accounts, low or no-fee accounts and more personal care. It’s your money — keep more of it to do more of what you want. That’s what we stand for at Stanford FCU.

Our History

Founded in 1959, Stanford Federal Credit Union was created by a group of Stanford employees to serve their banking needs. Today, we’ve grown into a $2.4 billion full-service financial institution owned and operated by over 65,000 members of the Stanford Community, including:

  • Stanford University faculty, staff, students, volunteers and Stanford Alumni Association members
  • Stanford Health Care
  • Stanford Children’s Health
  • SLAC National Accelerator Laboratory
  • Over 100 local companies and their employees, including: Google, Facebook, Genentech, SAP, VMware and more. To see the full list, click here.

Stanford FCU was also the first financial institution to offer online banking, and we continue to be committed to making banking more convenient for all our members. We also focus on enhancing financial lives through education and counseling. Our Board of Directors is member-elected, and they selflessly serve without pay to help oversee all credit union operations.

YOU can bank at Stanford FCU!

If you want a banking experience that delivers lower home and personal loan rates, higher savings and investment rates, and leading-edge online and mobile access, Stanford Federal Credit Union is the financial banking choice for you. We’re a locally-owned financial cooperative, we provide friendly, professional personal service, and we offer convenient worldwide access.

Who banks at Stanford FCU?

We proudly serve the banking needs of individuals and families who comprise the Stanford community, and the employees and family members of over 100 select employer groups throughout the Bay Area.

Once you join Stanford FCU, you’re a member for life!

Once a member, always a member… so take us with you wherever you go. Our online and mobile access make it easy for you to bank with us whether you are around the corner or around the world! We stand for convenience and we’re here to serve ALL of your banking needs now and in the future.

Your company can offer its Stanford FCU banking services as an employee benefit:

Employees of your company can benefit from:

  • Low cost loans
  • Savings and investment accounts
  • Health Savings Accounts
  • Online and mobile account access
  • And much more.

Check out the list of companies that currently offer Stanford FCU as an employee benefit. If your employer is not on the list, give us a call at 650.723.2509 or email us at bd@sfcu.org. Join the group…you’ll be in good company.

Other ways to join:

Museum of American Heritage and Friends of the Palo Alto Library

If you do not fall within the Stanford community or one of our Select employer groups for membership eligibility, you can join the Museum of American Heritage (MOAH) or Friends of the Palo Alto Library (FOPAL). MOAH and FOPAL offers Stanford FCU services as a benefit to their membership.

  • Membership to FOPAL and MOAH is open to anyone who is a CA state resident.
  • We will pay for the membership fee which supports these local non-profit organizations.
  • Start your MOAH or FOPAL membership at any Stanford FCU branch when you open your account!

If you’re applying for membership with Stanford FCU online and qualify through FOPAL/MOAH, additional requirements may apply.

If you’re not sure if you’re eligible to join Stanford Federal Credit Union, contact us at 650.723.2509. We’re here to help!

Our Team

Standing together as a team

For more than 55 years, Stanford FCU has delivered financial expertise for members of any age — and it all starts with our team. From our Board of Directors to our member care representatives, we’re driven by a culture of forward-thinkers with a legendary tradition of being untraditional. Yet, individual care is never sacrificed at the hands of innovative banking. Our team serves members with credit union care that always puts members’ best interests first — something that banks simply can’t match.

Joan Opp, President and CEO

Joan Opp has been the President/CEO at Stanford FCU since May 2010. Joan brings over 20 years of executive level management and financial institution experience. Prior to joining Stanford FCU, Ms. Opp served as EVP/ CFO at Texas Trust Credit Union overseeing accounting, information technology, marketing and business services, as well as three Credit Union Service Organizations. Before joining the executive team at Texas Trust Credit Union, Ms. Opp was a partner with the CPA Firm of Clifton Gunderson, LLP.

Joan is a CPA and was awarded the State of Arizona Gold Medal Award (1st place) and the National Elijah Watts Sells Award (top 1% nationally) for the November 1993 CPA exam. She graduated Summa Cum Laude from the University of Maryland with Business Administration degree and a minor in Accounting. Joan received the Certified Chief Executive designation in 2009. In 2015, she was recognized as a Women of Influence by the Silicon Valley Business Journal.  In 2016, Joan became a member of Stanford FCU’s Board of Directors.

Brian Thornton, SVP/CLO Lending

After receiving his bachelor’s degree in Business Administration from San Jose State University, Brian Thornton started his career in mortgage banking in 1986. Mr. Thornton joined Stanford FCU in 1998, and quickly developed a passion for the credit union movement. He is now a senior level executive at Stanford FCU responsible for commercial, residential and consumer lending. His responsibilities also include secondary marketing, loan servicing, collections, loss mitigation, and special assets management across all lending disciplines. He is a member of executive level committees, including Asset Liability Management and Stanford FCU Loan Committees. Mr. Thornton’s 30 years of combined experience in financial services helps make him a terrific asset for Stanford FCU and an excellent resource for both our consumer and commercial customers.

Amber Danford, SVP/Chief Operations Officer
Amber Danford joined the team in October 2015 as the Chief Operations Officer.  She is a long way from her two stop light home town in Northwest Kansas.  Raised by a banker and community activist, Amber learned at a young age about service.  After graduating from the University of Kansas, Amber joined the AmeriCorps VISTA program and served as a volunteer in the fifth highest juvenile crime rate city in Texas in 1994.  Five years later, she began her journey with the Texas Credit Union League and has continued her career in financial services.  Amber was the youngest manager in the company’s history to achieve the Vice President of the Year award within the first 16 months of employment. Amber was also recognized and awarded for successfully building brand equity in a highly competitive financial services market.  Amber has her Masters from the University of North Texas and her Graduate Certificate of Marketing from Southern Methodist University. Amber lives with her husband, three children and two dogs in Hayward, CA.
brian zeitler
Brian Zeitler, SVP/Chief Information Officer
Brian Zeitler has 20 years of progressive experience driving alignment of business and technology strategies to empower successful outcomes. As Stanford FCU’s Chief Information Officer, Brian is responsible for the credit union’s technology, information security, ATM strategy and facilities management. Brian was previously CIO at Mechanics Bank, where he led the organization through transformational process and technology modernization to prepare the Bank for rapid growth through acquisition. Brian also served as a Vice President at First Niagara Financial Group and M&T Bank. He has a Bachelor of Science in Business Administration and Computer Science from the State University of New York at Fredonia. Brian also has a Master of Business Administration with concentrations in Finance, Competitive & Organizational Strategy, Computers & Information Systems from the University of Rochester (Simon Graduate School of Business). Brian is a graduate of the Pacific Coast Banking School (University of Washington), and a Project Management Professional (PMP).


Gregory Rosston, Board Chair
Greg Rosston is Director of the Public Policy program at Stanford University, a Senior Fellow and Deputy Director of the Stanford Institute for Economic Policy research, and Professor of Economics (by courtesy). Mr. Rosston received his Ph.D. in Economics from Stanford University and his A.B. with Honors in Economics from University of California at Berkeley. Mr. Rosston joined Stanford FCU’s Board of Directors as an Advisory Board member in 2012 and became a Board Director in 2015. Mr. Rosston was elected Board Chair in 2016.
Dr. Frank Sarnquist, Board Vice Chair
Frank Sarnquist is an Emeritus Professor of Anesthesiology at the Stanford University Medical Center. He joined the faculty in 1976 and has had research interests in pharmacology and high altitude physiology. He has served as Medical Director of the Stanford Operating Rooms and as interim Chair of the Department of Anesthesia. He received an AB degree in Zoology from UCLA and an MD degree from UCSF. Dr. Sarnquist joined Stanford FCU’s Board of Directors in 2004 and became Vice Chair in 2010.
Tana Hutchison, Board Treasurer

Tana Hutchison is the Program Manager for the ADAPT (Alumni and Development Applications Platform Transition) project at Stanford. ADAPT is a multi-year project that will migrate the systems and processes of Stanford’s Office of Development (OOD) and the Stanford Alumni Association (SAA) to a new platform, paving the way for OOD, SAA and their campus partners to better serve, steward, and digitally engage the university’s donors and alumni. She was the Deputy CFO for SLAC National Accelerator Laboratory from June 2009 through December 2016. Prior to that, Ms. Hutchison had been Stanford’s Associate Controller since 1996. She joined Stanford in 1992 in Internal Audit where she served as Associate Director for Medical Affairs, covering the School of Medicine and Stanford Health Services. Previously, Ms. Hutchison, a CPA, worked for KPMG Peat Marwick. Ms. Hutchison earned her bachelor’s degree in Commerce from Santa Clara University. She was appointed to the Credit Union’s Supervisory Committee in 1993 and joined the Board of Directors in 1997. Ms. Hutchison has been the Board Treasurer since 2000.

Dan Kolkowitz, Board Secretary
Dan Kolkowitz is VP of Security at RedBrick Health Inc., a leading SaaS provider for the Wellness and Healthcare industries. He also serves on the Governance Risk and Compliance Committee, focusing on understanding security risks, impact and mitigation on a global level. Mr. Kolkowitz brings more that 25 years of experience developing security and network technologies for distributed systems. He has a long and successful entrepreneurial history, including the co-founding of companies MobileAria, Compact Devices, Securify, Inc., and Swan Labs, Inc. He also served as chief technical officer and vice president of operations at PlaySpan. Most recently, Mr. Kolkowitz co-founded IdentityMind Global, an e-commerce company that provides risk management and regulatory compliance solutions for the financial and digital commerce ecosystem. He earned a M.S.C.S. from Stanford University, where he also managed several of the University’s key distributed computing projects and lectured in the computer sciences department. He has been active in networking and security industry groups and standards organizations for over 20 years. He continues to advise on technology and security issues for Venture Capitalists and public and private corporations.
Dr. Shirley Everett, Board Director
Dr. Everett is the steward of a $1.8 billion asset portfolio and a $272 million operating budget; she leads an 800+ staff organization that houses 12K students and serves over 6.5 million meals annually to students, conference, catering, retail, and concession guests. She oversees Housing, Dining, Hospitality & Auxiliaries, Conference Services, and Strategic Business Partners, and is responsible for financial management, capital planning, asset renewal, facilities design and concept development, human resources and organizational development, information systems, compliance, sustainability practices, and public relations. She serves on the Stanford University Cabinet that shapes Stanford’s direction, policy, and planning; she co-founded and co-leads the Menus of Change University Research Collaborative. She has served as a Regional President for the National Association of College and University Foodservices, and also as faculty to the Chief Housing Officers Institute of the Association of College and University Housing Officers International. Dr. Everett was elected to the Stanford FCU Board in 2016.
Curtis Feeny, Board Director
Curtis Feeny is a managing director of Voyager Capital in Menlo Park. Prior to joining Voyager, Mr. Feeny spent eight years as executive vice president at Stanford University, overseeing its endowment and the Stanford Management Company. Mr. Feeny rejoined Stanford FCU’s Board in 2004. In addition, he serves on the board of CB Richard Ellis (CBRE:NYSE), the world’s largest real estate services firm. Mr. Feeny has a bachelor’s degree in mechanical engineering from Texas A&M University and an MBA from Harvard Business School, where he was a Tandy Fellow and a Rockwell Scholar.
Robert Reidy, Board Director
Mr. Reidy is Vice President of Land, Buildings & Real Estate at Stanford University, responsible for all issues relating to Stanford lands. As Vice President, Mr. Reidy is responsible for planning and implementing Stanford’s $4.1 billion capital plan; the university’s commercial real estate portfolio on endowed lands valued at $3.9 billion; managing campus utilities, grounds, and parking & transportation; providing stewardship for the 8,180 acres of land; managing operations and maintenance for almost 300 buildings totaling over nine million square feet. Additionally, Mr. Reidy oversees LBRE’s $312 million operating budget and 500 employees. Mr. Reidy earned a B.S in Mechanical & Environmental Engineering from California Polytechnic State University. He also serves on the Board of Overseers for the SLAC National Accelerator Laboratory, the University of Nebraska Medical Center Development Corporation, a trustee of the Urban Land Institute, a Senior Fellow, American Leadership Forum – Silicon Valley. Mr. Reidy was elected to the Stanford FCU Board in 2016.
Susan Kingston, Board Director
Susan Kingston is Assistant Dean and Executive Director of Faculty Compensation at Stanford’s School of Medicine. In this role, she leads the team responsible for all Faculty Compensation processes for 2,600 faculty leading the new reality of precision health, achieving the best imaginable health outcome for every individual. Before joining Stanford in 2007, Ms. Kingston was the west coast Partner-in-Charge of KPMG’s International Executive Tax Services practice, which provided international tax services to 8,000 international assignees of west coast companies. Prior to that she worked at Price Waterhouse Coopers in the U.S. and Japan. She earned her Bachelor’s in Business Administration at the University of Redlands and her Master’s in International Business from Sophia University in Tokyo, Japan. Ms. Kingston joined the Supervisory Committee of the credit union in 2012 and served as Chairperson from 2015 to 2018.
Timothy Warner, Emeritus Board Director
Tim Warner is Vice Provost for Budget and Auxiliaries Management at Stanford University. He has been a member of the Credit Union Board since 1989 and served as its Chairman from 1992-2009. Mr. Warner earned a bachelor’s degree from Wesleyan University and an MBA from Stanford University.
Jon Dreyfus, Advisory Board Member
Jon Dreyfus is a Product Management Lead at Google, where he leads the PM team driving Google Shopping Express Operations and Merchant Services. Previously, Mr. Dreyfus was a Senior Director of Product Management at Symantec, where his team drove roadmaps for Security Technology & Response (the group that builds all of Symantec’s security engines and backend). Mr. Dreyfus has also led the PM team for Cisco’s Catalyst Fixed Access Switch platforms, was a strategy consultant at Bain, and started a Sequoia-funded startup with two co-workers. Mr. Dreyfus studied Economics (and minored in Computer Science) at Stanford, and enjoys outdoor activities like skiing and biking, building small robots in his garage, and hanging out with family and friends.
Jerry Jobe, Advisory Board Member
In March 2007, Mr. Jobe retired from his position as Associate Director of Business Services at the SLAC National Accelerator Laboratory, operated by Stanford University for the U.S. Dept. of Energy. Mr. Jobe joined SLAC in 1970. He was CFO at Analytec Limited from 1989 to 1993, and returned to SLAC in 1993. Mr. Jobe, served as an Officer and pilot in the U.S. Navy, and retired as a Captain in the U.S. Naval Reserve. He holds a bachelor’s degree in Engineering from UCLA and an MBA from Santa Clara University. Mr. Jobe was a member of Stanford FCU’s Board since 1995 and served as Board Secretary. Mr. Jobe was appointed an Emeritus Board Member in 2016.

The Supervisory Committee acts as liaison between the membership and management of the credit union. To correspond with the committee, send an email to supervisory_committee@sfcu.org.

Neil Hamilton, Supervisory Committee Chair
Neil Hamilton is the Director of Budget Planning in the University Budget Office at Stanford, where he manages the University’s budget process and systems. Prior to joining the Budget Office in 2009, Mr. Hamilton was the Director of Finance and Administration in the Office of the Vice Provost for Undergraduate Education. He has held other finance positions at the university since 1996. Mr. Hamilton earned a bachelor’s degree in music at Stanford in 1997, and he served four years in the U.S. Army before attending college. Mr. Hamilton was appointed to the Supervisory Committee in 2011.
Desmond Low-Kum, Supervisory Committee Secretary
Desmond Low-Kum has retired as Manager of Operational Risk Management and Compliance at the Stanford Management Company, which was established to manage Stanford University’s financial and real estate assets. Mr. Low-Kum was a Senior Audit Manager at Stanford University’s Internal Audit Department responsible for managing internal audit projects at Stanford Management Company (SMC), SLAC National Accelerator Laboratory, and the Department of Athletics, Physical Education and Recreation (DAPER). Mr. Low-Kum is a Chartered Accountant, a Certified Investments and Derivatives Auditor, an Associate of the Institute of Cost and Management Accountants, and a Certified Information Systems Auditor. He joined the University’s Internal Audit Department in November 1989, after working in internal audit in the S&L and mortgage banking industry in San Francisco, and public accounting (KPMG South Africa). Mr. Low-Kum has a Bachelor of Commerce degree from Rhodes University, South Africa, and a Bachelor of Accounting Science (Honors) from the University of South Africa. Mr. Low-Kum is a past president (1998-1999) of the Silicon Valley Chapter of the Information Systems Audit and Control. Mr. Low-Kum was appointed to the Supervisory Committee in 1997.
Susan Kingston, Supervisory Committee Member
Susan Kingston is Assistant Dean and Executive Director of Faculty Compensation at Stanford’s School of Medicine. In this role, she leads the team responsible for all Faculty Compensation processes for 2,600 faculty leading the new reality of precision health, achieving the best imaginable health outcome for every individual. Before joining Stanford in 2007, Ms. Kingston was the west coast Partner-in-Charge of KPMG’s International Executive Tax Services practice, which provided international tax services to 8,000 international assignees of west coast companies. Prior to that she worked at Price Waterhouse Coopers in the U.S. and Japan. She earned her Bachelor’s in Business Administration at the University of Redlands and her Master’s in International Business from Sophia University in Tokyo, Japan. Ms. Kingston joined the Supervisory Committee of the credit union in 2012 and served as Chairperson from 2015 to 2018.
David MacKenzie, Supervisory Committee Member
David MacKenzie was born in Palo Alto and has lived in the area his entire life. He did his undergraduate work at the University of Oregon and has an MBA from the University of Utah. He received his CPA certification and has over thirty-five years’ experience as a member of the executive team of numerous organizations from early stage startups to multinational companies and local non-profits. He is a past President of the Palo Alto/University Rotary Club and has been a volunteer on various boards and committees at the Lucile Salter Packard Children’s Hospital, the Palo Alto Medical Foundation and the Cantor Arts Center. Mr. MacKenzie was appointed to the Supervisory Committee in 2013.

In the Community

Stanford FCU is an active member of the Stanford community, and we’re proud to support local organizations to help make a difference. With over 50 sponsorships, educational programs and partnerships, our goal is to improve the lives of the people we serve.


  • Funding of an endowed professorship for Stanford University’s School of Humanities and Science
  • Spouse Education – Bechtel International Center
  • Stanford Federal Credit Union Financial Education Seminars

Community Involvement & Program Sponsorship

  • Stanford Alumni Association
  • Stanford University Athletics
  • Friends of the Palo Alto Library
  • Palo Alto Chamber of Commerce
  • Children’s Health Council Summer Symphony
  • Palo Alto Festival of the Arts
  • Downtown Palo Alto Winter “Wonderland”
  • Museum of American Heritage – Vintage Vehicles & Family Festival
  • Stanford Pow Wow
  • Annual Cesar Chavez Commemoration
  • Stanford Cardinal Walk
  • Stanford Historic House & Garden Tour
  • Palo Alto Weekly Moonlight Run and Walk
  • Stanford University Employees’ Wellness Fair
  • Annual Bill Hewlett & Dave Packard Charity Golf Classic
  • Silicon Valley Brain Tumor Ride
  • Annual Summer Scamper – Benefiting Stanford Children’s Health
  • Racing Hearts 5K/10K Race – Benefiting Stanford Heart Research
  • The Palo Alto Apps Challenge
  • Party for the Planet – Acterra
  • Randy Cross Invitational Golf Tournament
  • Palo Alto May Fete Children’s Parade
  • Children’s Center of the Stanford Community Playfest
  • BASOC Celebrity Golf Classic
  • Canary Bike Ride for Cancer Research

Health & Human Services

  • Lucile Packard Children’s Foundation, Children’s Circle of Care – Recreation Therapy/Child Life Department’s Art on a Cart program, Preschool program, Forever Young Zone, and Recreation Therapy Fun Fund Sponsor
  • Children’s Health Council
  • Ronald McDonald House at Stanford

Arts & Culture

  • Cantor Arts Center at Stanford University
  • Concerts at Cogswell, Downtown Palo Alto

May Fete Parade 2017

Cardinal Walk 2017

Cardinalpalooza 2017

Racing Hearts 2017

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