Deposit Rates
Rates effective January 1, 2021
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Account Description | Dividend Rate | Annual Percentage Yield (APY) |
---|---|---|
Share (Savings) Account | 0.10% | 0.10% |
Companion Account* | 0.55% | 0.55% |
Kids' Stanford Savers Account | 0.10% | 0.10% |
Coverdell Education Savings Account (ESA) | 0.10% | 0.10% |
Premier Checking | 0.05% | 0.05% |
Premier Checking - Ambassador | 0.15% | 0.15% |
Individual Retirement Account (IRA) | 0.10% | 0.10% |
Health Savings Account (HSA) | 0.10% | 0.10% |
Premier Health Savings Account (PHSA) | 0.20% | 0.20% |
All dividends are compounded and paid monthly. Share and Checking Accounts have a variable rate.
*A Stanford FCU Certificate must be opened before a Companion Account can be opened. The Companion Account must be funded with new money from another financial institution, and the balance cannot exceed the companion Certificate balance.
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Account Description | Dividend Rate | Annual Percentage Yield (APY) |
---|---|---|
$50-$2,499.99 | 0.00% | 0.00% |
$2,500 and over | 0.35% | 0.35% |
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Account Description | Dividend Rate | Annual Percentage Yield (APY) |
---|---|---|
$50-$2,499.99 | 0.00% | 0.00% |
$2,500 and over | 0.15% | 0.15% |
All dividends are compounded and paid monthly. Money Market Accounts have a variable rate.
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Term | Dividend Rate Minimum $1,000 |
Annual Percentage Yield Minimum $1,000 |
---|---|---|
3 months | 0.25% | 0.25% |
6 months | 0.30% | 0.30% |
7 months (no penalty) |
0.45% | 0.45% |
12 months | 0.55% | 0.55% |
18 months | 0.55% | 0.55% |
24 months | 0.60% | 0.60% |
36 months | 0.65% | 0.65% |
48 months | 0.70% | 0.70% |
60 months | 0.75% | 0.75% |
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Term | Dividend Rate Minimum $1,000 |
Annual Percentage Yield Minimum $1,000 |
---|---|---|
3 months | 0.05% | 0.05% |
6 months | 0.10% | 0.10% |
7 months (no penalty) |
0.25% | 0.25% |
12 months | 0.35% | 0.35% |
18 months | 0.35% | 0.35% |
24 months | 0.40% | 0.40% |
36 months | 0.45% | 0.45% |
48 months | 0.50% | 0.50% |
60 months | 0.55% | 0.55% |
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Term | Dividend Rate Minimum $1,000 |
Annual Percentage Yield Minimum $1,000 |
---|---|---|
12 months | 0.55% | 0.55% |
18 months | 0.55% | 0.55% |
24 months | 0.60% | 0.60% |
36 months | 0.65% | 0.65% |
48 months | 0.70% | 0.70% |
60 months | 0.75% | 0.75% |
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Term | Dividend Rate Minimum $1,000 |
Annual Percentage Yield Minimum $1,000 |
---|---|---|
12 months | 0.35% | 0.35% |
18 months | 0.35% | 0.35% |
24 months | 0.40% | 0.40% |
36 months | 0.45% | 0.45% |
48 months | 0.50% | 0.50% |
60 months | 0.55% | 0.55% |
Dividends are compounded and paid monthly. Once a Certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply and may reduce earnings. The 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty. Membership eligibility is required.
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).