While banks try to profit off of their customers, Stanford FCU is a not-for-profit — so our members experience far fewer fees. But we take it a step further. With the Visa Platinum Cash Back Rewards Card, we help you put cash back in your pocket. Harness its purchasing power and get great cash-back rewards — it’s that simple!
To set an appointment with a member of our team, click here: Set Appointment
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Method of computing the balance of purchases:
Average Daily Balance Including New Purchases
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| Visa Card Information |
Rate Information |
Annual Percentage Rate for Purchase |
Grace Period for Balances of Purchases |
Annual Fee |
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| Platinum Cash Back Rewards Visa | 11.24% to 17.99% | APR will vary with the market based on the Prime Rate. |
25 Days | None |
APR=Annual Percentage Rate
We don’t believe you should have to pay extra just to use basic banking services. We have the Visa Card that fits your lifestyle without any hidden fees, allowing you to do more and bank less.
| Annual Fee | None |
|---|---|
| Cash Advance Fee | None (Interest will be charged on Cash Advances starting on the transaction date.) |
| Balance Transfer Fee | None (Interest will be charged on Balance Transfers starting on the transaction date.) |
| Rewards Program Fee | None |
| Foreign Transaction Fee | None |
| Late Payment Fee | $7 |
| Return Payment Fee | $20.00 or the amount of the required minimum payment, whichever is less |
| Penalty APR | None |
As a true not-for-profit financial cooperative, the more our member-owners use the services of their credit union, the stronger we become—and the more low-cost services we can provide. That’s the basis of our Membership Rewards program—the more services you use, the more benefits you’ll receive! Whether you are a borrower, saver or both, you will receive extra benefits when you take advantage of the many great products and services at Stanford FCU. Move all of your financial services to Stanford FCU and easily reach the highest level of Membership Rewards. It’s easy to switch and we can help!
You’ll enjoy exclusive benefits like bonus deposit yields and loan rate discounts, unlimited surcharge-FREE ATMs worldwide and more based on your Membership Rewards level—so why stand for anything less? Make the most out of your banking experience with Membership Rewards.
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| FREE Access to ATMs Worldwide Surcharge reimbursements for ATMS outside our ATM networks* | Yes, 3 per month | Yes, unlimited* |
| FREE access 30,000 CO-OP ATMs and 6,000 CO-OP Shared Branches | Yes | Yes |
| Certificate Bonus Rate | Yes | Yes |
| Money Market Account Bonus Rates | No | Yes |
| Premier Checking Bonus Rate | No | Yes |
| Discount on Auto Loan Rate | 0.50% APR Discount | 1.00% APR Discount |
| Stanford FCU Mortgage Fees Waived** | No | Yes |
| Fee Refunds: | ||
| Below Minimum Balance Fees | 50% | 100% |
| Stop Payment Fee | 50% | 100% |
| Outgoing Wire Fees | 50% | 100% |
| Select Service Charges | 50% | 100% |
Learn more about
Membership Rewards
* Maximum ATM surcharge reimbursement is $5 per ATM transaction. ** Third-party fees still apply.
It’s important to to establish good credit and manage your debt. These online learning modules and tools can help you learn how.