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Beware of imposter fraud calls and texts impersonating Stanford FCU! Avoid clicking on hyperlinks and never share private information via SMS text messages. Always call us directly at 888.723.7328 to confirm.

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Beware of imposter fraud calls and texts impersonating Stanford FCU! Avoid clicking on hyperlinks and never share private information via SMS text messages. Always call us directly at 888.723.7328 to confirm.

We do what's right for our members

The value of being a member at Stanford FCU

Every credit union dreams of being able to give back to its members, but in today’s highly competitive financial services industry, few can achieve that dream. Stanford FCU is different—our lean, not-for-profit operating model contributes to our fiscal strength and enables us to do more for our members. Being a member at Stanford FCU means access to market-leading rates in deposit and loan products–not just for high-credit individuals, but for all members. We have minimal-to-no fees, and returns that go to members not shareholders.


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Stanford FCU saved members
$25 million in 2020

According to the Credit Union National Association (CUNA), Stanford FCU provided $25 million in direct financial benefits to our members last year!

“Stanford FCU doesn’t have a lot of fees to reduce or waive, because we barely charge any fees. And we don’t usually offer special rates, because our everyday rates are already amazing.”

—Joan Opp
Stanford FCU President/CEO

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Bigger isn’t better when it comes to banking—
see for yourself

Member Perks

Free, Free, Free!

  • Free notary service
    We’re here to help! Just make an appointment at one of our branches.
  • Simply free Student Checking Account
    There really are NO fees (and free unlimited worldwide ATMs!).
  • Free incoming wires
    Banks charge $15 when it costs them nothing to receive wires.
  • Free non-sufficient funds (NSF)
    We don’t charge when we reject a transaction (banks charge $35).
  • Free account-to-account transfers
    There’s no charge for overdraft transfers from your other accounts.

Way better cards

  • Zero foreign transaction fees
    Travel with peace of mind and no extra fees on your credit and debit cards (banks charge 3%).
  • Zero credit card annual fees
    Plus a low rate and cash-back on every purchase.
  • One low credit card rate
    On purchases, cash advances and balance transfers because we don’t need to trick you into paying more interest.
  • No credit card cash advance or balance transfer fees
    We want you to take advantage of our low rates, not pay extra fees.
  • Free replacement cards
    Lost, missing or damaged debit and credit cards are free.

More value overall

  • Membership Rewards
    You get more discounts and rewards when you do more with us.
  • Best rates for everyone
    Certificate and Money Market accountholders earn our highest rates, regardless of balance.
  • $20 Courtesy Pay fee
    Pay a small fee for Courtesy Pay and returned deposits (banks charge $35).

Member give back testimonials

"SFCU let me open my very first credit card as an international student without any credit history when I first landed in this country and since then SFCU has been my primary savings and investment platform. After trying several other private bank offerings, I've come to really appreciate how SFCU gives me no-fees accounts with great interest rates and makes it super easy to open a no-penalty CD as I have some extra cash to put aside."


“When I made the switch from a larger chain who I had been with over 25 years to Stanford FCU I was able to refinance some debt at a lower interest rate and it really helped me get a step ahead at a time that I really needed it. The in person customer service has been outstanding and the online & phone support have also been great. I wish I would have found Stanford FCU sooner. It just feels better to work with local people in my community and I feel like more than just another customer. Thank you!”


"I have always appreciated SFCU for being consistently great with the benefits that come with having an account with them. Specifically when I was studying abroad with my school, I loved that I was able to take out local currency and charge my card without foreign transaction fees! Thanks SFCU :)"


"SFCU has been amazing to me for years. Great customer service who are always there to help me. When COVID hit and I needed a loan, they were there to lend me much needed money at a low interest rate when most companies were not lending and decreasing credit rates. I love SFCU and just would like to say thank you for being so great to me. You’ve always approved me for loans, gave me the best interest rates, and have been the most helpful. I will always be proud to be a SFCU member."


"I have been with SFCU for 18 years and they have been amazing. If I needed a loan they have been quick and easy with great rates. If I have a question or issue the reps have been helpful. I love how easy the app has been and the updates. I love my credit union."