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Beware of holiday scams as merchants prepare for increased online sales as a result of store closures and restrictions due to the COVID-19 pandemic. Learn more.

Deposit Rates

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Deposit Rates

Rates effective November 20, 2020

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Account Description Dividend Rate Annual Percentage Yield (APY)
Share (Savings) Account 0.10% 0.10%
Companion Account* 0.75% 0.75%
Kids' Stanford Savers Account 0.20% 0.20%
Coverdell Education Savings Account (ESA) 0.20% 0.20%
Premier Checking 0.10% 0.10%
Premier Checking - Ambassador 0.20% 0.20%
Individual Retirement Account (IRA) 0.20% 0.20%
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.

Premium Money Market Account Rates for Ambassador Member Relationships

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Account Description Dividend Rate Annual Percentage Yield (APY)
$50-$2,499.99 0.00% 0.00%
$2,500 and over 0.40% 0.40%

Money Market Account Rates

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Account Description Dividend Rate Annual Percentage Yield (APY)
$50-$2,499.99 0.00% 0.00%
$2,500 and over 0.20% 0.20%

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 0.25% 0.25%
6 months 0.35% 0.35%
7 months
(no penalty)
0.55% 0.55%
12 months 0.65% 0.65%
18 months 0.65% 0.65%
24 months 0.70% 0.70%
36 months 0.75% 0.75%
48 months 0.80% 0.80%
60 months 0.85% 0.85%

Share Certificate Rates

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Term Dividend Rate
Minimum $1,000
Annual Percentage Yield
Minimum $1,000
3 months 0.05% 0.05%
6 months 0.15% 0.15%
7 months
(no penalty)
0.35% 0.35%
12 months 0.45% 0.45%
18 months 0.45% 0.45%
24 months 0.50% 0.50%
36 months 0.55% 0.55%
48 months 0.60% 0.60%
60 months 0.65% 0.65%

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 0.65% 0.65%
18 months 0.65% 0.65%
24 months 0.70% 0.70%
36 months 0.75% 0.75%
48 months 0.80% 0.80%
60 months 0.85% 0.85%

IRA Share Certificate Rates

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Term Dividend Rate
Minimum $1,000
Annual Percentage Yield
Minimum $1,000
12 months 0.45% 0.45%
18 months 0.45% 0.45%
24 months 0.50% 0.50%
36 months 0.55% 0.55%
48 months 0.60% 0.60%
60 months 0.65% 0.65%

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).