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!

*Open a Stanford FCU Everyday, Premier or High Yield Spending account beginning 2/20/25, activate the Cashback+ offers in Digital Banking, then complete each task within your new member period to earn the assigned reward in your choice of cash or gift cards. Tasks and rewards are subject to change without notice. Offer is not available to existing members and will be limited to one reward per task per household. The rewards will be credited to your Cashback+ wallet within 35 days from satisfaction of the requirements. The 3-month new member period begins on the first day of the month following your account open date.

Offer does not apply to second or multiple spending accounts and/or existing members with spending accounts, and will be limited to one bonus per household. The spending account must remain open a minimum of three months. Any taxes due on the bonus deposit are the sole responsibility of the recipient. Stanford FCU will report the bonus deposits to the appropriate state and federal agencies, as required by applicable law. This offer is not valid with any other Stanford FCU promotional offer, and is subject to change without notice. Membership eligibility required.

**High Yield Spending Account interest is determined on the last day of each preceding month. If all requirements are met by month-end, then the interest will be paid at the current Qualified Rates up to $50,000 and > $50,000 on the average daily balances on the last day of the following month based on the average daily balance of the account for that month. If the requirements are not met by the last day of the preceding month, then the interest will be paid at the current Non-Qualified Rate on the last day of the following month based on the average daily balance of the account for that month. Limit one High Yield Spending account per primary member. Monthly Requirements to earn the Qualified Rate: (a) receive at least $5,000 in combined payroll direct deposits in the member’s Stanford FCU accounts, and (b) spend a minimum $1,000 on the member’s combined Stanford FCU debit and credit cards with the same primary account owner as the High Yield Spending Account. Payroll 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. Deposits and purchases must post by the last day of each month to qualify. Grace period: During the first two months of opening a new High Yield Spending Account the interest will be earned at the current Qualified Rate, and the account requirements at the end of the second month will be used to determine the rate paid on balances in the third month. Existing checking accounts that convert to a High Yield Spending Account will not have a grace period.