Rewards are not available to business accounts and loans, regardless of the Membership Rewards status.

¹Maximum ATM fee reimbursement is $5.00 per transaction.

²Credit score required to be eligible for discount.

³Bump the interest rate for any one Certificate up to the current higher rate once every 12 months. Must be an Ambassador for a minimum three consecutive months, and a Certificate can only bump once during its existing term until it rolls into a new term.

⁴The cash 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. You must be an Ambassador at the time the cash bonus is paid at the beginning of each month. Cash bonus is capped at $25 per month and $300 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. The bonus is discretionary and subject to change without notice.

⁵Credit up to $675 is deposited into the member’s checking (spending) or savings account upon funding of a first mortgage.

The Membership Rewards level is calculated on the last day of each month, based on balances and activity for the month. It’s possible for the level to change on the first of each month.

¹Payroll 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.

²Credit Card requires $2,500+ monthly balances or $500+ in monthly purchases

³Minimum $50,000 investment balances

⁴Includes all consumer savings, checking (spending), money market and IRA accounts, excludes Certificates and Business accounts

⁵Combined balances of all second mortgages and HELOCs > $50,000 = 2 qualifiers; combined balances with $10,000 to $49,999 = 1 qualifier