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.

³New Member Period and Premium Rate Step‐down: When a new member opens a Certificate Account during their New Member Period, which is a part of our Membership Rewards Program, they have the opportunity to earn the Premium fixed rate and APY, as disclosed in the Deposit Rate Sheet at account opening, regardless of the eligibility requirements of the Program. During, at least, the first three months of membership, new members may earn the Premium Rate. However, at the end of the New Member Period, the Certificate rate and APY will be determined based on the eligibility requirements of the Membership Rewards Program at that time. If qualified, the Certificate will maintain the Premium rate until Maturity. If not qualified, it will “Step‐down” to the Standard rate, as initially disclosed in the Deposit Rate Sheet when the account was opened, through Maturity. The New Member Period only applies once, meaning if a member closes their accounts and rejoins the Credit Union, any benefits or offers of the New Member Period, may not apply.

a. The New Member Period is the first three full calendar months beginning on the last day of the month in which a new member opened their membership. Therefore, depending on when the member joined, this period can range from 90 to 120 days. For example: if a new membership was opened on January 1 then the New Member Period would end April 30 (120 days); if a new membership was opened on January 31 then the New Member Period would end April 30 (90 days).

b. The Step‐down is determined on the last day of the month, at the end of the New Member Period. For example: if a new member Certificate was opened on January 1, then it would earn the Premium rate through April 30. If on May 1, if the account holder met the eligibility qualifications of our Membership Rewards Program, it would keep the Premium rate through Maturity. If on May 1, if the account holder has not met the eligibility qualifications of our Membership Rewards Program, it would “Step‐down” to the Standard rate through Maturity.

⁴Bump 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.

⁵The 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.

⁶Credit 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