Deposit Rates

Discover our deposit rates

Deposit Rates

Rates effective June 3, 2024

View our savings and Certificate rates for businesses on our Business Deposit Rates web page!

Open Account

Savings and Spending Account Rates

Scroll Right for More Data

Account Description Dividend Rate Annual Percentage Yield (APY)
Share (Savings) Account 0.10% 0.10%
Companion Account*
- Balances up to those in the linked Certificate
- Balances > than those in the linked Certificate
- Converts to a Share (Savings) Account if the linked Certificate is closed

3.75%
0.00%
0.10%

3.82%
0.00%
0.10%
Kids' Savers Account 0.10% 0.10%
Coverdell Education Savings Account (ESA) 0.10% 0.10%
Teen Spending Account
- Balances up to $1,000
- Balances > $1,000

3.00%
0.15%

3.04%
0.15%
Premier Spending Account 0.05% 0.05%
Premier Spending Account - Ambassador 0.15% 0.15%
High Yield Spending Account**
- Qualified with balances up to $50,000
- Qualified with balances > $50,000
- Non-Qualified

4.00%
0.15%
0.00%

4.07%
0.15%
0.00%
Individual Retirement Account (IRA) 0.10% 0.10%
Health Savings Account (HSA) 0.10% 0.10%

APY= Annual Percentage Yield. Rates are subject to change without notice. All dividends are compounded and paid monthly. Share and Spending Accounts have a variable rate.

*The Companion Savings account is linked to a Certificate. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Once a Certificate is opened, the rate remains fixed through maturity and early withdrawal penalties apply and may reduce earnings.

**High Yield Spending Account interest is determined on the last day of each preceding month. If all requirements are met by month-end, then the interest will be paid at the current Qualified Rates up to $50,000 and > $50,000 on the average daily balances on the last day of the following month based on the average daily balance of the account for that month. If the requirements are not met by the last day of the preceding month, then the interest will be paid at the current Non-Qualified Rate on the last day of the following month based on the average daily balance of the account for that month. Limit one High Yield Spending Account per primary member. Monthly Requirements to earn the Qualified Rate: (a) receive at least $5,000 in combined payroll direct deposits in the member’s Stanford FCU accounts, and (b) spend a minimum $1,000 on the member’s combined Stanford FCU debit and credit cards with the same primary account owner as the High Yield Spending Account. Payroll direct deposit is defined as recurring ACH payments from your employer or the Social Security Administration. Other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify. Deposits and purchases must post by the last day of each month to qualify. Grace period: During the first two months of opening a new High Yield Spending Account the interest will be earned at the current Qualified Rate, and the account requirements at the end of the second month will be used to determine the rate paid on balances in the third month. Existing spending accounts that convert to a High Yield Spending Account will not have a grace period.

Money Market Account Rates

Scroll Right for More Data

Account Description Dividend Rate Annual Percentage Yield (APY)
Money Market Account 1.55% 1.56%
Money Market Account - Ambassador 1.80% 1.81%

APY= Annual Percentage Yield. Rates are subject to change without notice. All dividends are compounded and paid monthly. Money Market Accounts have a variable rate.

Certificate and Individual Retirement Account (IRA) Certificate Rates

Premium Share Certificate Rates for Partners & Ambassadors

Scroll Right for More Data

Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
(Minimum $1,000)
3 months 2.15% 2.17%
6 months 2.50% 2.53%
7-Month No Penalty 4.75% 4.85%
8-Month Promo*
Available 6/3 - 7/31 only
5.37% 5.50%
12 months 5.15% 5.27%
24 months 4.50% 4.59%
36 months 4.50% 4.59%
48 months 4.00% 4.07%
60 months 4.00% 4.07%

Share Certificate Rates

Scroll Right for More Data

Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
(Minimum $1,000)
3 months 1.65% 1.66%
6 months 2.00% 2.02%
7-Month No Penalty 4.25% 4.33%
8-Month Promo*
Available 6/3 - 7/31 only
5.37% 5.50%
12 months 4.65% 4.75%
24 months 4.00% 4.07%
36 months 4.00% 4.07%
48 months 3.50% 3.56%
60 months 3.50% 3.56%

Premium IRA Share Certificate Rates for Partners & Ambassadors

Scroll Right for More Data

Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
(Minimum $1,000)
12 months 5.15% 5.27%
24 months 4.50% 4.59%
36 months 4.50% 4.59%
48 months 4.00% 4.07%
60 months 4.00% 4.07%

IRA Share Certificate Rates

Scroll Right for More Data

Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
(Minimum $1,000)
12 months 4.65% 4.75%
24 months 4.00% 4.07%
36 months 4.00% 4.07%
48 months 3.50% 3.56%
60 months 3.50% 3.56%

APY= Annual Percentage Yield. Rates are subject to change without notice. All dividends are compounded and paid monthly. Once a Certificate is opened, the rate remains fixed through maturity. A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than one year may have a penalty equal to 90 days of dividends on the amount withdrawn. The penalty for Certificates of one year or more will be equal to one hundred eighty (180) days of dividends. A 7-Month No Penalty Certificate may be closed after (7) calendar days from opening with no penalty.

*8-Month Promo Certificate is available 6/3/24 thru 7/31/24 and subject to change without notice. New money required. New money is money that is not currently in a checking account, savings account or Certificate with Stanford FCU. At maturity, the 8-Month Certificate automatically renews at a 6-month term, at the rate in effect on the maturity date.

Explore our Membership Rewards

Learn More

Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).

The owner of this website has made a commitment to accessibility and inclusion, please report any problems that you encounter using the contact form on this website. This site uses the WP ADA Compliance Check plugin to enhance accessibility.