Member Give Back

We do what is right for our members

Member Give Back

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 our Member Give Back to thrive. Our Member Give Back provides 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!

Lower Fees

We actively review other financial institutions to ensure that we’re providing the lowest possible fees and ensuring value for our members!

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Bank Comparison
Fees Stanford FCU
Basic Checking
Bank of America
Advantage SafeBalance Banking®
Wells Fargo
Everyday Checking
Monthly Fee $0 $4.951 $101
Minimum balance $0 $25 $25
Overdraft $0 - $20 Transactions are declined $35
Stop Payment $0 - $20 $30 $31
Incoming Wires $0 $15 domestic / $16 international $15 domestic / $16 international
Outgoing Wires $0 - $20 $0 - $45 $30
Debit & credit card foreign transaction fee $02 3% of U.S. amount 3% of transaction amount
View Disclosures

Comparison information obtained 4/29/21 from Bank of America and Wells Fargo’s websites. Information is subject to change.

“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

Bank Comparison Chart

banking comparison chart preview

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

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Member Perks
Free incoming wires
Banks charge $15
Free notary service
Make an appointment at one of our local branches
Zero foreign transaction fees
On credit and debit cards (banks charge 3%)
Membership Rewards
Discounts and rewards for savers and borrowers
Simply free Student Checking Account
With free unlimited worldwide ATMs
Zero credit card annual fees
 
Best rates for everyone
Certificate and Money Market accountholders earn our highest rates, regardless of balance
One low credit card rate
On purchases, cash advances and balance transfers
$20 insufficient funds fee
NSF, overdraft and returned deposit fees (banks charge $35)
No credit card cash advance or balance transfer fees

Member Perks

Free, Free, Free!

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.

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 insufficient funds fee
    NSF, overdraft and returned deposit fees (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."

Tushar

“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!”

Jennifer

"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 :)"

Shyista

"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."

Marc

"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."

Carmelita