Offers, rates and terms are subject to change without notice. All loans are subject to credit approval and membership eligibility. APY= Annual Percentage Yield.
1 To secure the promotional rate on the 8-Month and 22-Month Certificates, you must apply between 5/18/26 and 6/21/26. Minimum opening deposit is $100 of new money with no maximum. Additional rate bonuses are not available for this Certificate. A checking or savings account is required with Stanford FCU to open a Certificate. New money required. New money is money that is not currently in a checking account, savings account or Certificate with Stanford FCU. Once a Certificate is opened, the rate remains fixed through maturity. Dividends are compounded and paid monthly. Early withdrawal penalties apply and may reduce earnings. At maturity, the 8-Month Certificate automatically renews at a 12-month term and the 22-Month Certificate automatically renews at a 24-month term, at the rate in effect on the maturity date. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later.
2 The Companion Account rate shown is available on 5/18/26 and subject to change without notice. The Companion Savings account is linked to a Certificate and the account must be funded with new money from another financial institution. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. If the linked Certificate is closed, the Companion Account converts to a regular savings account earning a lower rate.
3 To be eligible for the You Join. We Donate. Kids Win program, you must be a Stanford Children’s Health employee or volunteer. Open a new Stanford FCU personal checking (spending) account with a minimum $5 deposit and establish a monthly recurring payroll direct deposit of at least $2,500 for 3 consecutive months. Payroll direct deposit is defined as recurring ACH payments from your employer or the Social Security Administration. Other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify. The first recurring direct deposit must be posted to your account within 60 calendar days of your account opening date. Offer does not apply to second or multiple spending accounts and/or members with existing spending accounts. The spending account must remain open a minimum of three months. Donations to Lucile Packard Children’s Hospital Stanford on your behalf are not tax deductible. These donations are made by Stanford FCU. To the extent required by law, Stanford FCU will report the value of the offer to the IRS on Form 1099INT. Any applicable taxes are the responsibility of the account holder. This program is subject to change without prior notice.
4 Data collected via online research on 4/1/26. Refer to the individual websites for details:
Stanford FCU: Everyday Spending Account, Service Fees
Bank of America: Advantage Plus Banking, Service Fees
Chase: Chase Total Checking, Checking Fees