Welcome to Stanford Federal Credit Union!

You’re in your New Member Period

No more waiting for the best rewards! As a new member, you’ll receive the best benefits as an Ambassador. But hurry! These benefits only last for a few months unless you take action.

The benefits

You get amazing perks as a new member of Stanford FCU!

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  • Unlimited waived ATM withdrawal fees (worldwide!)1
  • .10% bonus Premier Spending rate
  • 1.00% discount rate for auto and personal loans2
  • $0 stop payment fees
  • .50% bonus certificate rates3
  • $0 outgoing wire fees
  • .25% bonus money market rates
  • $0 below minimum balance fees
  • One certificate rate bump per year4
  • $675 credit for mortgage fees6
  • 1% cash bonus on credit card purchases5
View disclosures

How long do these benefits last?

Your New Member Period benefits start the day you open your membership PLUS the following three full calendar months. For example, if you joined January 1, your New Member Period would last until April 30 (120 days). If you joined on January 31, your New Member Period would last until April 30 (90 days).

How can I extend my benefits?

Keep your benefits going by having the following monthly activities on your account:

  • Payroll direct deposit or social security (minimum $2,500 monthly)1 OR $1,000 in monthly debit card purchases
  • One to two key qualifiers, listed below:

Key qualifiers

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Minimum 20 debit card purchases per month
Deposit Accounts with monthly combined $25,000+ balances (excluding Certificates)4
Consumer Loan:
Vehicle Loan or Personal Loan
First Mortgage (counts as two!)
Investment Account with
Stanford Federal Investment Services3
View disclosures

Members who meet one key qualifier will enjoy Partner benefits. Members who meet two key qualifiers will enjoy Ambassador benefits.

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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 loans2
  • 1.00% discount rate for auto and personal loans2
  • .50% bonus certificate rates
  • .50% bonus certificate rates
  • Reduced stop payment fees (50% off)
  • .25% bonus money market rates
  • Reduced outgoing wire fees (50% off)
  • One certificate rate bump per year3
  • Reduced below minimum balance fees (50% off)
  • 1% cash bonus on credit card purchases4
  • .10% bonus Premier Spending rate
  • $0 stop payment fees
  • $0 outgoing wire fees
  • $0 below minimum balance fees
  • $675 credit for mortgage fees5
View disclosures

What happens to my Certificate if I don’t extend my benefits?

Your Certificate rate will decrease by .50%, since the bonus Certificate rate will no longer apply.

How do I set up direct deposit?

It’s easy to set up your direct deposit in just a few minutes.

What else does Stanford FCU offer?

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Free checking

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Free ATMs

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Personalized service

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Membership Rewards

 

Shareholders? Haven’t heard of them. We’re not-for-profit and owned by our members. This means all earnings go back to YOU in the form of lower fees, lower loan rates and higher deposit rates, just for being a member at Stanford FCU!

“The financial advantages at Stanford Credit Union are hard to beat. Their rates and terms consistently outshine those of big banks, which makes saving and growing your money easier and more rewarding. What’s more, the transparency and minimal fees are a breath of fresh air in an industry often known for hidden costs.” 

– Wilson L.

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