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Warning! Stanford FCU impersonator scams are on the rise. We will never ask you for personal information, passwords or to transfer money. Call 888.723.7328opens phone dialer with questions or to report a scam. Our Contact Center is open 24/7.

Deposit Rates

Discover our deposit rates

Deposit Rates

Rates effective May 12, 2023

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

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Account Description Dividend Rate Annual Percentage Yield (APY)
Share (Savings) Account 0.10% 0.10%
Companion Account* 3.50% 3.56%
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 2.15% 2.17%
6 months 2.50% 2.53%
7-Month No Penalty 4.25% 4.33%
12 months 5.00% 5.12%
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

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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 3.75% 3.82%
12 months 4.50% 4.59%
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

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Term Dividend Rate
Minimum $1,000
Annual Percentage Yield
Minimum $1,000
12 months 5.00% 5.12%
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

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Term Dividend Rate
Minimum $1,000
Annual Percentage Yield
Minimum $1,000
12 months 4.50% 4.59%
24 months 4.00% 4.07%
36 months 4.00% 4.07%
48 months 3.50% 3.56%
60 months 3.50% 3.56%

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).