Membership Rewards

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The more services you use, the more benefits you receive!

At Stanford FCU, we value you, our members, and want to help you make the most out of your banking experience. That’s what Membership Rewards is all about. You get more value when you do more with us!

You’ll enjoy exclusive benefits like bonus deposit and loan rates, 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.

Features

At Stanford FCU, you can take advantage of free basic checking and access to 30,000 surcharge free ATMs and 6,000 CO-OP Shared Branches. You can enjoy even more banking benefits by moving to Partner or Ambassador levels – it’s easy!

  • Surcharge-FREE access to any ATM worldwide!
  • Bonus rates on deposits and loans
  • Lower or waived fees from our very short list of service fees
  • More!

The more services you use, the more benefits you receive!

Key Product Qualifiers are ‘The Key’ to Membership Rewards. A Stanford FCU checking account with $500 direct deposit and just two Key Product Qualifier points will get you to the Ambassador level!

Partner Membership

How it works

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If you have a Stanford FCU checking account, $500 monthly direct deposit and one Key Product Qualifier—congratulations! You’ve qualified for our Partner Membership! Now, you can enjoy these great perks like:

  • FREE use of any ATM worldwide three times a month
  • Certificate Bonus Rates, so you can earn higher dividends!
  • 0.50% discount on Auto Loans Rates
  • More!

Want to earn even MORE benefits? Use two additional Key Product Qualifiers and move up to our highest level of Membership Rewards – The Ambassador Level!

Ambassador Membership

How it works

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Perfect for members who like to make the most out of their banking experience, Stanford FCU’s Ambassador Membership features the highest level of benefits and discounts! With a Stanford FCU checking account, $500 monthly direct deposit and Key Product Qualifiers, you can take advantage of exclusive perks:

  • Use any ATM worldwide for FREE!
  • Certificate Bonus Rates, so you can earn higher dividends!
  • Money Management Account Bonus Rate
  • Premier Market Savings Account (PMSA) Bonus Rate
  • 1.00% discount on Auto Loans Rates
  • NO mortgage fees from Stanford FCU
  • More!

Key Product Qualifiers

A checking account with $500+ payroll direct deposit along with any one of our Key Product Qualifiers and you’re at the Partner Membership Reward level!

Only two Key Product Qualifiers bump you up to the Ambassador Membership Rewards level.  It’s that easy!

Key Product Qualifiers

Each product below qualifies as one product. Real Estate Loans count as two products!

Real Estate Loans
  • Purchased or Refinanced Home Loan
  • Home Equity Line of Credit or Second Trust Deed – with a balance of $50,000 or more
  • Commercial Real Estate Loan
Vehicle Loan
  • Auto Loan
  • Motorcycle Loan
  • RV Loan
Credit Card
  • $5,000 or more monthly credit card balance or
  • $500 per month in credit card charges
Non-Certificate Accounts with Total Balance of $50,000+
  • Regular Savings
  • Money Management Account (MMA)
  • Premier Market Savings Account (PMSA)
  • IRA Savings
Investment Account with Stanford Federal Investment Services
  • Investments with a balance of $50,000 or more
*Health Savings Account does not qualify as a Key Product.

Benefits

Benefits You’ll Receive…

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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 Management Account Bonus Rates No Yes
Premier Market Savings Account (PMSA) Bonus Rate 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%

* Maximum ATM surcharge reimbursement is $5 per ATM transaction. ** Third-party fees still apply. Learn more