“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
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.
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!
Bank Comparison Chart
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).
