Yes, you must become a member before you can use any products or services. When you apply for your credit card, you can become a member at the same time by opening a checking or savings account with a minimum deposit of $5.00. Stanford FCU will put the $5.00 requirement into the savings account on your behalf. It represents your ownership share, allowing you to fully participate and vote at our annual membership meeting. Membership eligibility is required, and you must have a U.S. address.