Cardinal Group | 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!

Dedicated to you and your accounts, focused on your goals and strategies. Your Personal Bankers answer questions and provide all the assistance you need.

Open account

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.

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
Speaking of member rewards, get up to a 1.00% rate discount on auto and personal loans
Choose from various rewards credit cards with up to 5% cashback and no annual, foreign transaction or balance transfer fees
Keep learning with free financial education resources and various webinars
If you relocated to the U.S., you can open accounts without a Social Security number or credit history

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

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!

Ervin S.

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.

Joan Opp, Stanford FCU President/CEO

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

¹ APY= Annual Percentage Yield. Rate shown is available on 7/27/26 and is subject to change without notice. To secure the promotional rate on the 8-Month Certificate, you must apply between 7/27/26 and 9/14/26. Minimum opening deposit is $100 with no maximum. Additional rate bonuses are not available for this Certificate. A checking or savings account is required with Stanford FCU to open a Certificate. New money required. New money is money that is not currently in a checking account, savings account or Certificate with Stanford FCU. Once a Certificate is opened, the rate remains fixed through maturity. Dividends are compounded and paid monthly. Early withdrawal penalties apply and may reduce earnings. At maturity, the 8-Month Certificate automatically renews at a 12-month term at the rate in effect on the maturity date. 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.

² 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

Stanford Faculty and Staff

Your credit union benefits will last a lifetime

Better than banks²

Our members and their stories matter.

Stanford Faculty and Staff

Your credit union benefits will last a lifetime

Better than banks2

Our members and their stories matter.

Better than banks²