Mortgage Promo

Save up to $1,200 on a purchase loan and $1,000 on a refinance!*

Contact your Personal Banker

A secret deal, just for you (shhhh)

Get the rate you want, fixed or adjustable

Down payments as low as 3% won't hold you up

Go beyond basic with customized mortgage options

And we're looking out for your financial well-being. The right home loan, low rates and fees, expert guidance from experienced mortgage consultants—it's all here.

Take advantage of this mortgage special—it rates as a winner

In case you missed that at the top—save up to $1,200 on a purchase loan and $1,000 on a refinance with us.* That's how much we care about supporting you and your homeownership goals. That type of gold-standard service is, well, standard at Stanford FCU. And you deserve it, along with fast approvals and funding from people who live and work here, too!

Finance your home in Palo Alto, Pinckneyville, Pawtucket or anywhere else in the U.S.—we lend all over the country
If you're a landlord or house-flipper, you have options for your investment properties, too
Your Restricted Stock Units (RSUs) count as qualifying income during the underwriting process

Chance to win up to $2,500

Apply for a home loan (first mortgage, refinance, second mortgage, or HELOC) between May 15–July 15, 2026 and be automatically entered into our Welcome Home Sweepstakes for a chance to win $2,500, $1,000, or $500.**

Apply for a home loan

Welcome, Ambassador

No need to call in any political favors for this appointment. Close on a home loan with Stanford FCU and direct deposit at least $2,500 a month to start enjoying the Ambassador-level relationship and all its benefits:

Use ATMs around the world, unlimited and fee-free
1.00% rate discount for auto and personal loans
0.50% bonus certificate rates
0.25% bonus money market rates
2% cash bonus on credit card purchases
$0 outgoing wire fees (incoming wires are already free!)
$0 stop payment fees
$0 below minimum balance fees

All loans subject to credit approval and membership eligibility.

*Discounts for purchase and refinance loans include a $675 loan processing fee rebated after funding, plus a credit for loan closing costs that is applied after funding ($525 for purchase loans or $325 for refinance loans). Discounts do not apply to refinancing an existing Stanford FCU mortgage. Checking with $2,500 minimum direct deposit is required to receive the discounts. Offer expires 9/30/26.

**No purchase necessary. A purchase will not increase your chances of winning. Odds of winning depend on number of eligible entries. One entry per primary applicant. Owner-occupied properties located in the U.S. only. Entries into the Welcome Home Sweepstakes will be accepted from May 15, 2026 through July 15, 2026. Winners will be notified by email or phone call by July 20, 2026. Four winners will be randomly selected: one (1) winner will receive $2,500, one (1) winner will receive $1,000, and two (2) winners will each receive $500. Cash prizes will be deposited into the winners’ Stanford FCU checking or savings account by August 15, 2026. See Official Rules for full details.