Your deposits earn more at Stanford FCU

our certificate rates beat the banksYou’ll find the best rates on Money Market Accounts and Certificates at Stanford Federal Credit Union, a member-owned, not-for-profit financial institution established in 1959. Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration. Rates are subject to change without notice.

 

Open your account today by clicking on the Open Account button! If none of the options or companies on the Eligibility drop-down list apply, choose FOPAL.

Introducing two new high-yield savings accounts!

  • 7-Month No Penalty Certificate – 2.173% APY and no penalty for early closure
  • Companion Account – a basic savings account that earns 2.018% APY when partnered with a Certificate

 


 

Stanford FCU First Republic
Bank
Wells Fargo
Bank
Bank of
America
$10,000
12-month
Certificate
2.529%
APY*
1.500%
APY*
1.400%
APY*
0.070%
APY*

 

Open Account

 

Check out our competitive rates!

 

Premium Certificate Rates for Partners and Ambassadors (learn more about Membership Rewards)

Term >$1,000
Dividend Rate Annual % Yield
3 months 1.900% 1.917%
6 months 2.200% 2.222%
7 months
(no penalty!)
2.150% 2.173%
12 months 2.500% 2.529%
18 months 2.600% 2.631%
24 months 2.750% 2.785%
36 months 2.850% 2.888%
48 months 3.050% 3.093%
60 months 3.250% 3.299%

Certificate Rates
(learn more about Certificates)

Term >$1,000
Dividend Rate Annual % Yield
3 months 1.650% 1.663%
6 months 1.950% 1.968%
7 months
(no penalty!)
1.900% 1.917%
12 months 2.250% 2.273%
18 months 2.350% 2.375%
24 months 2.500% 2.529%
36 months 2.600% 2.631%
48 months 2.800% 2.836%
60 months 3.000% 3.042%

Premium Money Market Account Rates for Ambassadors (learn more about Membership Rewards)

Money Market Account Rates
(learn more about MMAs)

Our Money Market Account (MMA) offers very competitive rates for the savvy saver, plus liquidity, so you have easy access to your money when you need it. Any MMA account with a balance of $2,500 and over will earn our best dividend rate. Access your MMA at any time through Mobile and Online Banking. Plus, you’ll have debit card access to your funds and unlimited check withdrawals.

Account Balance Dividend Rate Annual Percentage Yield
(APY)
$50-$2,499.99 0.000% 0.000%
$2,500 and over 0.950% 0.954%
Account Balance Dividend Rate Annual Percentage Yield
(APY)
$50-$2,499.99 0.000% 0.000%
$2,500 and over 0.700% 0.702%

Open Account

 

*APY= Annual Percentage Yield. Minimum balance requirement is $10,000 for the bank rates shown above ($1,000 for Stanford FCU). Comparison data was obtained 12/5/18 via website research. Additional requirements may apply to receive the quoted APYs. Rates are available 12/5/18 and subject to change without notice. Stanford FCU 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. 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty. Membership eligibility requirement will apply.

The rates presented here are accurate as of December 5, 2018. Current rates may be obtained by calling us at 888.723.7328.

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