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.



Stanford FCU First Republic
Wells Fargo
Bank of


Open Account


Check out our competitive rates!


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%
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 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%
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%

Money Market Account Rates
(learn more about MMAs)

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

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
$50-$2,499.99 0.000% 0.000%
$2,500 and over 0.600% 0.602%
Account Balance Dividend Rate Annual Percentage Yield
$50-$2,499.99 0.000% 0.000%
$2,500 and over 0.850% 0.853%

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 10/10/18 via website research. Additional requirements may apply to receive the quoted APYs. Rate is available 10/10/18 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. Membership eligibility requirement will apply.

The rates presented here are accurate as of October 10, 2018. Current rates may be obtained by calling us at 888.723.7328.

Back to top