You’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.
| 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* |
| 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% | ||||||||
| 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% | ||||||||
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% |
*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.
