A certificate is a great low risk savings option that typically earns more than a traditional saving account. And you don’t need a lot of money to get started! You can invest in a Stanford FCU Certificate or IRA Certificate with as little as $1,000.
New! Our 7-Month No Penalty Certificate has a great rate and there’s NO penalty for early closure! Check out all our Certificate rates below.
After you open a Certificate, check out our new Companion Account–it’s a basic savings account that earns an amazing 1.76% APY*!
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Your assets will grow faster by investing in a Stanford FCU Certificate! You’ll get even higher rates with Membership Rewards. Our Partner and Ambassador level Certificates offer higher rates of return than a savings account and you’ll have a choice of fixed investment terms.
Not a Partner or Ambassador? No worries, you‘ll still receive great rates with our Certificates. See rates below.
See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7
| Term | >$1,000 | |||||||||
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| Dividend Rate | Annual % Yield | |||||||||
| 3 months | 1.55% | 1.56% | ||||||||
| 6 months | 1.75% | 1.76% | ||||||||
| 7 months (no penalty!) |
1.75% | 1.76% | ||||||||
| 12 months | 2.15% | 2.17% | ||||||||
| 18 months | 2.25% | 2.27% | ||||||||
| 24 months | 2.35% | 2.38% | ||||||||
| 36 months | 2.40% | 2.43% | ||||||||
| 48 months | 2.45% | 2.48% | ||||||||
| 60 months | 2.50% | 2.53% | ||||||||
See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7
| Term | >$1,000 | |||||||||
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| Dividend Rate | Annual % Yield | |||||||||
| 3 months | 1.30% | 1.31% | ||||||||
| 6 months | 1.50% | 1.51% | ||||||||
| 7 months (no penalty!) |
1.50% | 1.51% | ||||||||
| 12 months | 1.90% | 1.92% | ||||||||
| 18 months | 2.00% | 2.02% | ||||||||
| 24 months | 2.10% | 2.12% | ||||||||
| 36 months | 2.15% | 2.17% | ||||||||
| 48 months | 2.20% | 2.22% | ||||||||
| 60 months | 2.25% | 2.27% | ||||||||
Rates effective November 4, 2019
Terms & Conditions:
1 The certificate rates presented here are accurate as of the above date. Current rates may be obtained by calling us at 650.723.2509, or toll free at 888.723.7328.
2 The rate in effect at the time of purchase is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings.
3 No additional deposits are permitted to a Certificate once it is opened, unless otherwise disclosed.
4 Any reduction of the principal amount below the minimum principal tier for the rate established at Certificate origination will terminate the Certificate. We may impose the following penalties for early withdrawal of a Certificate. The penalty for a Certificate with an initial term of less than one year will be equal to ninety (90) days of dividends on the amount withdrawn, whether earned or not. The penalty for a Certificate with one year or more will be equal to one hundred eighty (180) days of dividends on the amount withdrawn, whether earned or not. A 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty.
5 The penalty may be deducted from either dividends or principal.
6 This Certificate is non-negotiable and non-transferable.
7 You will be given notice of the Maturity Date thirty (30) days in advance. The Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7) days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty.
We don’t believe you should have to pay extra just to use basic banking services. We have a savings account that fits your lifestyle without any hidden fees, allowing you to do more and bank less.
| Early withdrawal penalty for CDs with terms less than one year (excluding the 7-Month No Penalty Certificate). |
Equal to ninety (90) days of dividends. |
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| Early withdrawal penalty for CDs with terms one year or more. | Equal to one hundred eighty (180) days of dividends. |
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 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% |
Membership Rewards
Bonus Rates
Learn more about
Membership Rewards
* Maximum ATM surcharge reimbursement is $5 per ATM transaction. ** Third-party fees still apply.
A good savings plan is key to a secure financial future. Get started with these online learning modules and tools.