Business Accounts

Business Certificates

Business Connect members enjoy above-average yields on certificate of deposits, plus the security of federal depositor’s insurance by the National Credit Union Administration.


  • A low $1,000 minimum deposit to open
  • Term from 3 months to five years
  • Guaranteed rate for term of certificate
  • Longer terms offer higher rates
  • New 7-Month No Penalty Certificate can be closed after 7 calendar days with no fee
  • All balances earn our best rate for the term selected
  • Insured up to $250,000 by the NCUA


Business Share Certificate
See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 8

Term >$1,000
Dividend Rate Annual % Yield
3 months 1.60% 1.61%
6 months 1.90% 1.92%
7 months
(no penalty!)
1.85% 1.87%
12 months 2.20% 2.22%
18 months 2.30% 2.32%
24 months 2.45% 2.48%
36 months 2.55% 2.58%
48 months 2.75% 2.78%
60 months 2.95% 2.99%

Note: Rates effective July 10, 2019.

Term & Conditions:

1 The certificate rates presented here are accurate as of the above date. Current rates may be obtained by calling us at 650.723.2509 or toll free at 888.723.7328.

2 The rate in effect at the time of purchase is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings.

3 No additional deposits are permitted to a Certificate once it is opened, unless otherwise disclosed.

4 Any reduction of the principal amount below the minimum principal tier for the rate established at Certificate origination will terminate the Certificate. We may impose the following penalties for early withdrawal of a Certificate. The penalty for Certificate of initial term of one year or less will be equal to ninety (90) days of dividends on the amount withdrawn, whether earned or not. The penalty for Certificate of one year or more will be equal to one hundred eighty (180) days of dividends on the amount withdrawn, whether earned or not. 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty.

5 The penalty may be deducted from either dividends or principal.

6 This Certificate is non-negotiable and non-transferable.

7 You will be given notice of the Maturity Date thirty (30) days in advance. The Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7) days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty.

Initial Deposit $
Annual Percentage Yield Estimated Earnings After One Year
Stanford Federal Credit Union 0.70% $0

Click here for Current Certificate Rates

Rate is based on a $100,000 1 year certificate of deposit term and is subject to change.

Rates as of July 10, 2019.

Open Account

To open an account, we invite you to visit any of our convenient branch locations.  We will advise you on the business solution that’s right for your business and discuss other banking services and options to meet your business goals.  For more information, please call us at 650.723.2509.




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