Membership Rewards

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.


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 minimum $500 direct deposit or $500 in monthly debit card purchases and just two Key Product Qualifiers will get you to the Ambassador level!

Partner Membership

How it works


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

  • FREE use of any ATM worldwide three times a month.
  • Bonus Certificate Rates.
  • 0.50% APR* discount on all Auto Loans Rates.
  • Service fee refunds.

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

Ambassador Membership

How it works


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 in monthly direct deposit or $500 in monthly debit card purchases and Two Key Product Qualifiers, you can take advantage of exclusive perks:

  • Free unlimited ATM use worldwide.
  • Bonus Certificate Rates.
  • Bonus rates on a Money Management Account.
  • Bonus rates on a Premier Market Savings Account (PMSA).
  • 1.00% APR* discount on Auto Loans Rates.
  • NO mortgage fees from Stanford FCU.
  • and More!

Key Product Qualifiers

Each product below qualifies as one Key Product Qualifier. Real Estate Loans count as two!

Credit Card
  • Monthly balance of $2,500 or more,
    or $500 or more in monthly credit card purchases.
Vehicle Loan & Personal Loans
  • Auto, Motorcycle or Recreation Vehicle.
  • Unsecured, Share Secured & Certificate Secured Loans.
Investment Account with Stanford Federal Investment Services
  • Investment with balances $50,000 or greater.
Real Estate Loans
  • Purchased or Refinanced Home Loan.
  • Second Trust Deed greater than $50,000.
  • Commercial Real Estate Loan.
Home Equity Line of Credit
  • HELOC with a balance between $10,000 – $49,999.
  • HELOC greater than $50,000 – qualifies for two products.
Non-Certificate Accounts with a balance total over $25,000
  • Regular Savings.
  • Money Management Account (MMA).
  • Premier Market Savings Account (PMSA).
  • Individual Retirement Account Savings.


Benefits You’ll Receive…

partner_icon ambassador_icon
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%

*APR=Annual Percentage Rate. **Maximum ATM surcharge reimbursement is $5 per ATM transaction. *** Third-party fees still apply.