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Fraud warning: Some members have received text messages claiming to be from Stanford FCU asking to confirm suspicious charges. Do not click on the link! These messages are not from us and the link does not go to our website. If you’re unsure about a message or want to check your accounts, please call us at 888.723.7328.

Alert Notification Icon

Fraud warning: Some members have received text messages claiming to be from Stanford FCU asking to confirm suspicious charges. Do not click on the link! These messages are not from us and the link does not go to our website. If you’re unsure about a message or want to check your accounts, please call us at 888.723.7328.

Bigger isn’t better when it comes to banking

Your non-profit credit union saves you money with better rates and lower (or zero) fees. Active and engaged Stanford FCU members save even more through Membership Rewards!

The banks aren't doing you any favors

When a bank’s end-goal is profit before people, the results speak for themselves:

Opening fraudulent accounts
Failing to waive fees
Contributing to the financial crisis
Making risky investments with customer deposits

When your credit union puts people before profits, it means your success comes first. This starts in the simple, everyday transactionswaiving more fees than we charge and always choosing to be better than a bank. See for yourself in the chart below:

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Stanford FCU Everyday Spending Bank of America Advantage Plus Banking® Chase Total Checking®
Monthly fee $0 $12 $12
Requirements to waive the monthly fee Always free $250 direct deposit or $1,500 minimum daily balance $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 $3.00 - $5.00
Number of free ATMs in U.S. 30,000 16,000 16,000
NSF Fee $0 $10 $34
Stop Payment fee $20 $30 $25 - $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
Incoming wire fee $0 $15 $15
Outgoing wire fee $20 $45 Up to $50

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Stanford FCU Certificate Bank of America Certificate Chase Certificate
12-month, $10,000 certificate 5.27% APY 0.03% APY 2.00% APY
Early withdrawal penalty

(on the amount withdrawn)

< 1 year = 90 days’ interest;
1 year or more = 180 days’ interest
< 90 days = The greater of all interest earned or 7 days’ interest;
90 days up to 12 months = 90 days’ interest;
12 months up to 60 months = 180 days’ interest;
60 months + = 365 days’ interest
< 6 months = 90 days’ interest;
6 to < 24 months = 180 days’ interest;
24 months + = 365 days’ interest

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Stanford FCU Tech Credit Card Bank of America Customized Cash Rewards Credit Card Chase Freedom Unlimited® Credit Card
Cash back rewards 3X points on purchases at Amazon, Google, and Apple, 2x points on groceries & dining, 1x points on everything else 3% on the category of your choice, 2% on groceries, 1% on everything else 3% on dining and drug stores, 1.5% on everything else
Purchase & balance transfer rate 15.24% - 18.00% APR 18.24% - 28.24% APR 20.49% - 29.24% APR
Cash advance rate 15.24% - 18.00% APR 21.24% - 29.24% APR 29.99% APR
Balance transfer fee 0% 3% $5 or 3% - 5%, whichever is greater
Cash advance fee 0% 3% - 5% $10 or 5%, whichever is greater
Foreign transaction fee 0% 3% 3%
Late payment fee Up to $7 Up to $40 Up to $40
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