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!

*Membership eligibility required. Open a Stanford FCU Everyday, Premier or High Yield Spending account with the promo code NEW250 and a minimum $2,500 monthly payroll direct deposit for 3 consecutive months. The first recurring direct deposits must be posted to your new spending account within 60 calendar days of your account opening date. 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.

Offer does not apply to second or multiple spending accounts and/or existing members with a spending account, and will be limited to one bonus per household. The spending account must remain open a minimum of three months. The bonus offer is only available to new Stanford FCU members beginning January 1, 2024. The bonus will be credited to your spending account within 30 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. 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.

**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.