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Global supply chain issues are impacting delivery times for plastic credit and debit cards. We appreciate your patience and understanding as you wait for your card. A digital version of your card is always available in Online Banking and the mobile app, so you can load it to your mobile wallet, add it to your subscriptions, and shop online. Go to Services > MORE OPTIONS > Digital Card.

Deposit Rates

Discover our deposit rates

Deposit Rates

Rates effective December 23, 2022

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Account Description Dividend Rate Annual Percentage Yield (APY)
Share (Savings) Account 0.10% 0.10%
Companion Account* 3.00% 3.04%
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.

*The Companion Savings account is linked to a regular savings, money market, or certificate account. For Companion Savings accounts linked to a regular savings or money market, dividends will be calculated based on the average daily balance of the linked savings or money market for the previous month since there is a fluctuating balance due to deposits and withdrawals. For a Companion Savings linked to a certificate account, 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.

Money Market Account Rates

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

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

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Term Dividend Rate
Minimum $1,000
Annual Percentage Yield
Minimum $1,000
3 months 1.90% 1.92%
6 months 2.25% 2.27%
7-Month No Penalty 3.50% 3.56%
12 months 4.15% 4.23%
24 months 3.30% 3.35%
36 months 3.30% 3.35%
48 months 3.40% 3.45%
60 months 4.15% 4.23%

Share Certificate Rates

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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 3.25% 3.30%
12 months 3.90% 3.97%
24 months 3.05% 3.09%
36 months 3.05% 3.09%
48 months 3.15% 3.20%
60 months 3.90% 3.97%

Premium IRA Share Certificate Rates for Partners & Ambassadors

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Term Dividend Rate
Minimum $1,000
Annual Percentage Yield
Minimum $1,000
12 months 4.15% 4.23%
24 months 3.30% 3.35%
36 months 3.30% 3.35%
48 months 3.40% 3.45%
60 months 4.15% 4.23%

IRA Share Certificate Rates

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Term Dividend Rate
Minimum $1,000
Annual Percentage Yield
Minimum $1,000
12 months 3.90% 3.97%
24 months 3.05% 3.09%
36 months 3.05% 3.09%
48 months 3.15% 3.20%
60 months 3.90% 3.97%

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.

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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).