*Membership Rewards Terms and Conditions
Effective 1/08/2026

Membership Rewards is a program available to consumer (not business) members of Stanford Federal Credit Union (“Stanford FCU”). All features, requirements and offers are subject to change without notice at the sole discretion of Stanford FCU. Through this program members can qualify for available discounts, bonuses, and other rewards as described below. In order to qualify, a member must have an active spending (checking) account with their Stanford FCU membership in good standing. Each member’s membership status; Classic, Partner, or Ambassador, is subject to change each month based on whether they meet the requirements the previous month. After close of business at the end of each calendar month, the member’s accounts, balances and transactions will be auto-reviewed to determine the membership status for the next month.

Members may view their current Membership Rewards status in Digital Banking.

Joint account holders may meet the Membership Rewards requirements based on their shared accounts, however since rewards are applied at the account level, not the person level, a joint account holder must be a tax-reported owner on at least one deposit account to receive rewards.

Requirements
To qualify for an Ambassador or Partner membership status you must have a Stanford FCU checking (spending) account, plus one of the following:

• A minimum $2,500 monthly payroll or $1,250 Social Security direct deposit or
• A minimum $1,000 in monthly debit card purchases

Direct deposit is defined as recurring ACH payments from your employer. Other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify.

Ambassador status also requires two (2) additional Key Qualifiers listed below and Partner status requires one (1) additional Key Qualifier:

• Debit card with a minimum 20 debit card purchases per month
• Credit card with a minimum $2,500 monthly balance or $500 monthly purchases
• Vehicle or fixed-rate personal loan
• Investment account with Stanford Federal Investment Services (minimum $50,000 combined investment balances)
• Deposit accounts with combined balances of $25,000 (includes all savings, checking/spending, money market and IRA savings accounts, excludes certificates and business accounts)
• Second mortgage and home equity lines of credit (HELOCs) (combined balances of $10,000 to $49,999 = 1 Key Qualifier; combined balances greater than $49,999 = 2 Key Qualifiers)
• First mortgage = 2 Key Qualifiers

Rewards
The following rewards are available to members who are qualified Ambassadors and Partners at the time the reward is applied. Rewards are not available to business accounts and loans, trust accounts, regardless of the Membership Rewards status.

Ambassador rewards

• Unlimited worldwide waived ATM withdrawal fees (maximum ATM fee reimbursement is $5.00 per transaction)
• 1.00% discount rate for auto and fixed-rate personal loans (credit score required)
• 0.50% bonus certificate rates
• 0.25% bonus money market rates
• One (1) certificate rate bump per year (bump the interest rate for any one certificate up to the current higher rate once every 12 months; must be an Ambassador for a minimum of three consecutive months, and a certificate can only bump once during its existing term until it rolls into a new term)
• 2% cash bonus on credit card purchases (bonus is calculated based on purchases made with your Stanford FCU credit card, minus any credits and returns, and excluding cash advances and balance transfers; member must be an Ambassador at the time the cash bonus is paid at the beginning of each month; cash bonus is capped at $100 per month and $1,200 per year, and deposited into the member’s checking or savings account; any taxes due on the bonus deposit are the sole responsibility of the recipient, and the bonus is discretionary and subject to change without notice)
• Unlimited free checks (any account, any style from Stanford FCU’s approved vendor)
• $675 waived mortgage fee (credit up to $675 is deposited into the member’s checking or savings account upon funding of a first mortgage)
• $0 outgoing wire fees
• Two (2) Courtesy Pay fees refunded per month

Partner rewards

• Three (3) worldwide waived ATM withdrawal fees per month (maximum ATM fee reimbursement is $5.00 per transaction)
• 0.50% discount rate for auto and personal loans (credit score required)
• 0.50% bonus certificate rates
• Reduced outgoing wire fees (50% off)
• One (1) Courtesy Pay fee refunded per month

New Member Period
New members of Stanford FCU will automatically receive Ambassador status during their New Member Period. The New Member Period starts the day a new membership is opened and continues for the following three full calendar months. For example, if a member joined January 1, their rewards would last until April 30 (120 days). If a member joined on January 31, their rewards would last until April 30 (90 days).

All Ambassador rewards described above are available to new members during their New Member Period. If a member does not qualify as an Ambassador after the New Member Period ends, any certificates with the Ambassador bonus rate will revert to the lower rate that was posted at the time the certificate was opened.