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Membership Rewards

Extra perks for active and engaged members

It’s easy to get even more value from your Stanford FCU membership—just deposit your payroll with us or use our debit or credit card for your everyday expenses to access your Membership Rewards!

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Benefits from our Ambassador membership

Ambassador Icon

Membership Rewards Status

Ambassador

Ambassadors have achieved the highest level and get the most benefits (like unlimited free ATMs worldwide)!

Monitor your membership status in online and mobile banking!

  • Unlimited waived ATM withdrawal fees (worldwide!)1
  • 1.00% discount rate for auto and personal loans
  • .20% bonus certificate and money market rates
  • .10% bonus Premier Checking rate
  • $675 waived mortgage fee
  • $0 stop payment fees
  • $0 outgoing wire fees
  • $0 below minimum balance fees
View Disclosures

Achieve our highest level Ambassador membership

Ambassadors receive all the rewards listed above! Here’s how you qualify:

Qualify for Ambassador membership!

Checking & two products

Checking Account

$500+ in monthly direct deposits or debit card purchases. Plus two of the following:

Credit Card2

Investment Account3

Consumer Loan

Second Mortgages & HELOCs4

Debit Card Purchases

Minimum 20 debit card purchases per month

Savings Account

Combined $25,000+ balances (excluding certificates)

First Mortgage

Counts as two

View Disclosures

Benefits from our Partner membership

Partner Icon

Membership Rewards Status

Partner

  • Three waived ATM withdrawal fees per month (worldwide!)1
  • .50% discount rate for auto and personal loans
  • .20% bonus certificate rates
  • Reduced stop payment fees (50% off)
  • Reduced outgoing wire fees (50% off)
  • Reduced below minimum balance fees (50% off)
View Disclosures

Achieve our Partner membership

Partners enjoy several rewards, but adding just one more account qualifies you for the full Ambassador rewards! Here’s how you qualify as a Partner:

Qualify for Partner membership!

Checking & one product

Checking Account

$500+ in monthly direct deposits or debit card purchases. Plus one of the following:

Credit Card2

Investment Account3

Consumer Loan

Second Mortgages & HELOCs4

Debit Card Purchases

Minimum 20 debit card purchases per month

Savings Account

Combined $25,000+ balances (excluding certificates)

View Disclosures

Rewards

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Partners
Ambassadors
  • 3 waived ATM withdrawal fees per month (worldwide!)1
  • Unlimited waived ATM withdrawal fees (worldwide!)1
  • .50% discount rate for auto and personal loans
  • 1.00% discount rate for auto and personal loans
  • .20% bonus certificate rates
  • .20% bonus certificate and money market rates
  • Reduced stop payment fees (50% off)
  • $0 stop payment fees
  • Reduced outgoing wire fees (50% off)
  • $0 outgoing wire fees
  • Reduced below minimum balance fees (50% off)
  • $0 below minimum balance fees
  • $675 waived mortgage fee
  • .10% bonus Premier Checking rate
  • NEW! 1% cash bonus on credit card purchases2
View Disclosures

Key Qualifiers

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Partners receive all the rewards listed above! Here’s how to qualify:
Ambassadors receive all the rewards listed above! Here’s how to qualify:
Checking Account with $500+ in monthly
Direct Deposit or Debit Card purchases
Checking Account with $500+ in monthly
Direct Deposit or Debit Card purchases
Plus 1 of these Key Qualifiers
Plus 2 of these Key Qualifiers
Minimum 20 debit card purchases per month
Minimum 20 debit card purchases per month
Consumer Loan:
Vehicle Loan or Personal Loan
Consumer Loan:
Vehicle Loan or Personal Loan
Investment Account with
Stanford Federal Investment Services2
Investment Account with
Stanford Federal Investment Services2
Savings Account with combined $25,000+ balances (excluding Certificates)
Savings Account with combined $25,000+ balances (excluding Certificates)
First Mortgage (counts as two!)
View Disclosures

Track your status in Online or Mobile Banking!

We made it easy to view your current Membership Rewards status and see which key qualifiers you need to move up! Just click on the Membership Rewards quick link in Online Banking, or the More menu in the mobile app (then tap the Membership Rewards Status box).

membership rewards tracker

Learn more on fees & rates

Fee Schedule
Deposit Rates
Loan Rates