Alumni Groups | Stanford Federal Credit Union

New to Stanford FCU? You're right on time.

You can get up to $625 when you open a new account and do things you normally do–like set up direct deposit or sign up for eStatements. Collect yours!

New to Stanford FCU? You're right on time.

You can get up to $625 when you open a new account and do things you normally do–like set up direct deposit or sign up for eStatements. Collect yours!

Stanford University brought you here, but you’ll be a Stanford FCU member for life—taking advantage of our generous cash bonuses, high savings rates, low loan rates, personal service and virtually no fees.

Exclusive Stanford Alumni Rewards Visa Credit Card with up to 5% cashback, no annual or foreign transaction fees, and a $250 introductory offer²
$500 mortgage fee discount (RSUs included in underwriting)³
Get 0.5% APR discount on auto⁴
If you relocated to the U.S., you can open accounts without a Social Security number or credit history
Open a free checking (spending) account and get a free first box of checks—no strings attached
Automatically access 30,000 fee-free ATMs nationwide—or use Loyalty+ member rewards for unlimited ATM fees reimbursed up to $5 each
Keep learning with free financial education resources and various webinars

Stanford FCU Everyday Checking

Bank of America Advantage Plus Banking^®

Chase Total Checking^®

Monthly fee

$0

$12

$15

Requirements to waive the monthly fee

Always free

$250 direct deposit or $1,500 minimum daily balance, an account owner is a member of the Preferred Rewards program

$500 electronic deposits, $1,500 minimum daily balance, or an average beginning day balance of $5,000 or more

Fee to use other ATMs

(in addition to the ATM operator fee)

$0

$2.50 - $5.00

up to $5.00

Number of free ATMs in U.S.

30,000

16,000

15,000

NSF fee

$0

$10

$34

Stop Payment fee

$0

$30

Temporary checks

$0

Not available

$3 for 3 checks

Cashier’s checks

$0

$15

$10

Debit card foreign transaction fee

$0

3% of the U.S. dollar amount of the transaction

3% of purchase or ATM cash withdrawal amount

View more benefits

Meet your Relationship Manager

Jeanine Hansen

Relationship Manager
NMLS #760325

Jeanine Hansen has been in the financial industry for over 35 years, and joined Stanford FCU in 2003. She uses her extensive operations experience and knowledge to improve the financial lives of our members. Jeanine has a Bachelor’s degree in Management, and her specialty is member service as she carefully evaluates each member’s financial needs to ensure an exceptional experience.

Low to no fees

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.

All kinds of benefits

I was looking for a credit union with excellent service and care for customers. Ended up opening up an account at Stanford Federal Credit Union after hearing about low rates and quality service. Almost a year later I have no regrets about that decision. SFCU has been awesome!

*CashBack+ Terms and Conditions

*New member offers are managed by CashBack+ within Digital Banking. To qualify for an offer’s reward, each offer must be activated and completed within the eligibility period. The eligibility period begins on the date of membership enrollment and continues through the end of the third full calendar month. For example, if membership begins on January 31, offers remain valid through April 30 (90 days). If membership begins on January 1, offers are valid through April 30 (120 days). The expiration of each offer is clearly displayed within CashBack+. Each offer is earned independently. Completion of all offers is not required to receive an individual reward. Any activity after the eligibility period ends will not qualify. All offers, requirements, and rewards are subject to change without notice.

Rewards will typically be credited to the member’s CashBack+ wallet on the 3rd business day after the end of the month in which all offer requirements were fulfilled, but no later than the 5th business day. For example, if an offer is activated and the requirement is met on January 15 then the reward will be credited no later than February 5. If an offer is activated and the requirement is met on January 31, then the reward will be credited no later than February 5. The new membership account(s) must be open, active, and in good standing at the time rewards are credited in order to receive the reward. CashBack+ balances can be redeemed or transferred to a Stanford FCU account via Digital Banking.

New member offers are not available to existing members or Stanford FCU employees. New member offers are limited to one per member and are not applicable to additionally opened or joint accounts. No offer may be combined with any other Stanford FCU promotion. Any taxes owed on earned rewards are the sole responsibility of the recipient. Stanford FCU will report rewards to applicable state and federal agencies as required by law. Membership eligibility and a valid U.S. phone number are required.

Current Promotion
New member CashBack+ offers available to new members who join beginning 4/3/26:
1. $500 when you: (a) open a new Stanford FCU membership with an Everyday, High Yield, or Student Spending account, (b) receive a minimum $2,500 payroll or social security direct deposit each month for three consecutive calendar months (other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify), and (c) spend a minimum combined $1,000 per month on Stanford FCU debit and/or credit cards (excluding refunds and returns) for three consecutive calendar months. All requirements must be met in the same three consecutive calendar months within the member’s eligibility period. Tip: Ensure your first qualifying direct deposit and card spend occur early enough to allow for three full consecutive months within the eligibility period.
2. $35 when you apply for a new Stanford FCU credit card.
3. $30 when you open an additional certificate or savings account with a minimum $1,000 balance.
4. $25 when you attend a new member welcome appointment.
5. $15 when you enroll in eStatements to receive electronic statements and notifications.
6. $5 when you opt-in to Digital Banking account alerts and set up at least one alert.
7. $5 when you send money through Zelle® for the first time.
8. $5 when you set up a Round Up on your Stanford FCU debit card purchases.
9. $5 when you make your first purchase on the CashBack+ Pay app.

Prior Promotion(s)
New member CashBack+ offers available to new members who joined between 3/4/26 and 4/2/26:
1. $500 when you: (a) open a new Stanford FCU membership with an Everyday, High Yield, or Student Spending account, (b) receive a minimum $2,500 payroll or social security direct deposit each month for three consecutive calendar months (other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify), and (c) spend a minimum combined $1,000 per month on Stanford FCU debit and/or credit cards (excluding refunds and returns) for three consecutive calendar months. All requirements must be met in the same three consecutive calendar months within the member’s eligibility period. Tip: Ensure your first qualifying direct deposit and card spend occur early enough to allow for three full consecutive months within the eligibility period.
2. $35 when you apply for a new Stanford FCU credit card.
3. $30 when you open an additional certificate or savings account with a minimum $1,000 balance.
4. $25 when you attend a new member welcome appointment.
5. $20 when you enroll in eStatements to receive electronic statements and notifications.
6. $10 when you opt-in to Digital Banking account alerts and set up at least one alert.
7. $5 when you send money through Zelle® for the first time.

New member CashBack+ offers available to new members who joined between 11/3/25 and 3/3/26:
1. $500 when you: (a) open a new Stanford FCU membership with an Everyday, High Yield, or Student Spending account, (b) receive a minimum $2,500 payroll or social security direct deposit each month for three consecutive calendar months (other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify), and (c) spend a minimum combined $1,000 per month on Stanford FCU debit and/or credit cards (excluding refunds and returns) for three consecutive calendar months. All requirements must be met in the same three consecutive calendar months within the member’s eligibility period. Tip: Ensure your first qualifying direct deposit and card spend occur early enough to allow for three full consecutive months within the eligibility period.
2. $40 when you apply for a new Stanford FCU credit card.
3. $30 when you open an additional certificate or savings account with a minimum $1,000 balance.
4. $25 when you enroll in eStatements to receive electronic statements and notifications.
5. $10 when you opt-in to Digital Banking account alerts and set up at least one alert.
6. $10 when you send money through Zelle® for the first time.
7. $5 when you make your first mobile check deposit.

Offers, rates and terms are subject to change without notice. All loans are subject to credit approval and membership eligibility.

¹APY= Annual Percentage Yield. Rate shown is available on 10/1/26 and is subject to change without notice. A checking or savings account is required with Stanford FCU to open a Certificate. Minimum opening deposit is $100 with no maximum. Dividends are compounded and paid monthly. Early withdrawal penalties apply and may reduce earnings. Once a Certificate is opened, the rate remains fixed through maturity. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. The 12-Month Certificate rate shown includes a .50% bonus for active and engaged members through our Loyalty+ program. At maturity, the 12-Month Certificate automatically renews at a 12-month term at the rate in effect on the maturity date.

²To earn the 25,000 bonus points, you must make eligible purchases totaling $1,500 or more using your Tech Card, Stanford Athletics Fan Rewards Card, or Stanford Alumni Card within the first 90 days after account opening. Eligible purchases do not include credits, returns, cash advances, or balance transfers. Certain transactions may not qualify as eligible purchases. Qualifying purchases are based on the transaction posting date. The 25,000 bonus points will be credited within 90 days, provided purchase requirements have been met. You will earn one (1) point for each $1 in eligible purchases. Certain purchase categories may earn additional points. Points redeemed for cash back are worth $0.01 per point. For example, 2,500 points have a redemption value of $25. Offer subject to change and additional terms and conditions apply.

³ $500 discount for purchase and refinance loans is rebated after funding and cannot be combined with any other offer. Discounts do not apply to Home Equity Lines of Credit or refinancing an existing Stanford FCU mortgage.

⁴ Cannot be combined with any other offer, including Stanford FCU’s Loyalty+ program.

⁵ Data collected via online research on 7/1/26. Refer to the individual websites for details:
Stanford FCU: Everyday Spending Account, Service Fees
Bank of America: Advantage Plus Banking, Service Fees
Chase: Chase Total Checking, Checking Fees

**To receive 10,000 bonus rewards points, cardholders must pay their Stanford Reunion Homecoming registration sponsored by the Stanford Alumni Association between the dates of August 11 and October 18, 2026, with their Stanford Federal Credit Union Alumni Rewards or Stanford Athletics® Fan Rewards Visa Credit Card. Minimum purchase of $200 is required to earn the bonus rewards points. The transaction description on Stanford Federal Credit Union Alumni Rewards or Stanford Athletics Fan Rewards Visa Credit Card must be Stanford Reunion Event or similar between the dates of August 11 and October 18, 2026. The 10,000 bonus rewards points will be credited by November 19, 2026.

Stanford alums

Your credit union benefits will last a lifetime

Better than banks⁵

Our members and their stories matter.

Stanford alums

Your credit union benefits will last a lifetime

Better than banks5

Our members and their stories matter.

Better than banks⁵