Certificate and Individual Retirement Account (IRA) Certificate Rates

Your assets will grow faster by investing in a Stanford FCU Share Certificate! You’ll get even higher rates with Membership Rewards. Our Partner and Ambassador level certificates offer higher rates of return than a savings account and you’ll have a choice of fixed investment terms.

Not a Partner or Ambassador?
No worries, you‘ll still receive great rates with our Share Certificates. See rates below.

Premium Share Certificate Rates for Partner & Ambassador (learn more about Membership Rewards)

See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7

Term >$1,000
Dividend Rate Annual % Yield
3 months 1.85% 1.87%
6 months 2.15% 2.17%
7 months
(no penalty!)
2.10% 2.12%
12 months 2.45% 2.48%
18 months 2.55% 2.58%
24 months 2.70% 2.73%
36 months 2.80% 2.84%
48 months 3.00% 3.04%
60 months 3.20% 3.25%

Share Certificate Rates (learn more about Membership Rewards)

See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7

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%

Premium IRA Certificates Partner & Ambassador (learn more about Membership Rewards)

See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7

Term >$1,000
Dividend Rate Annual % Yield
12 months 2.45% 2.48%
18 months 2.55% 2.58%
24 months 2.70% 2.73%
36 months 2.80% 2.84%
48 months 3.00% 3.04%
60 months 3.20% 3.25%

IRA Certificates (learn more about Membership Rewards)

See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7

Term >$1,000
Dividend Rate Annual % Yield
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%

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 a Certificate with an initial term of less than one year will be equal to ninety (90) days of dividends on the amount withdrawn, whether earned or not. The penalty for a Certificate with one year or more will be equal to one hundred eighty (180) days of dividends on the amount withdrawn, whether earned or not. A 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.

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