A debit card uses money in your checking (spending) account. When you use your debit card, funds are immediately withdrawn from your spending account.

When you use a credit card, you’re borrowing money from a pre-determined line of credit offered by a financial institution (a loan). Each month you’ll receive a statement showing your purchases and the minimum payment due. If you don’t pay your credit card in full each month, you’ll be charged interest on the money you still owe.

You can manage your credit and debit cards with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

Stanford FCU offers a great selection of credit cards featuring:

• No annual fee
• Low interest rates
• No foreign transaction fees
• No cash advance fee
• No balance transfer fee
• Fraud text alerts

Browse our credit card options and compare rates to select the card that’s right for you.

Members can apply through Digital Banking. Non-members can join online in as little as 10 minutes.