Free incoming wires
Banks charge $15 when it costs them nothing to receive the deposit.
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.
We actively review other financial institutions to ensure that we’re providing the lowest possible fees and ensuring value for our members!
Scroll Right for More Data
|Bank of America
Advantage SafeBalance Banking®
|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|
Comparison information obtained 4/29/21 from Bank of America and Wells Fargo’s websites. Information is subject to change.
Scroll Right for More Data
|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%)
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|
"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."