Personal Savings

Savings accounts

Stanford FCU has a variety of savings options with minimal fees to help you earn more on every dollar! Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration.

Open a savings account made easy

Explore our savings options

Savings Account

Our basic savings account is a great way to get started. Open your account with as little as $5.00, and there’s no monthly fee.

Money Market Account

Open your account with at least $2,500 to earn dividends and avoid the Monthly Fee, and you’ll enjoy the same high rate as a member with $250,000. This is one of many ways your credit union gives back to members. Other financial institutions pay higher dividends for higher balances, but we want every saver to earn more (plus you get check and debit card access!).


Open a Certificate with as little as $1,000, and enjoy high rates on terms from 3 months to 5 years. Small savers earn the same great rates as big depositors, and the longer your term, the higher your rate. Get even more with a Membership Rewards relationship!

Companion account

Earn an amazing high rate on this basic savings account when you partner it with a Certificate!

Individual Retirement Account (IRA)

It’s never too early to start planning your retirement, and we make it easy with three options: Traditional IRA, Roth IRA and an IRA Certificate. We also have an experienced Wealth Management team to help you put together a full retirement plan. Open your account at Retirement Central.

Health Savings Account (HSA)

A Health savings account is designed for individuals with a high-deductible medical insurance plan, to help you cover the costs not paid by your plan. You’ll get free checks and debit card access to help you pay doctors, pharmacy and other medical expenses. Open your account at Retirement Central.

Kids' Savings Account

Help your child learn the importance of managing money and saving for a rainy day. Our Kids’ Stanford savers account is designed for children 12 and under, with a low $1.00 opening deposit and no monthly fee! You can also start a Coverdell Education Savings Account (ESA) for your child.

Looking for higher earning potential?

Visit our Wealth Management section to learn more!


Dividends are compounded and paid monthly. Once a Certificate is opened, the rate remains fixed through maturity, and early withdrawal penalties apply and may reduce earnings.