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Beware of holiday scams as merchants prepare for increased online sales as a result of store closures and restrictions due to the COVID-19 pandemic. Learn more.

We’re here for our members! Most branches remain open with safety protocols. Learn more.

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Search the Website Personal Business Wealth Management ATM & Branch Locator

Certificates

A Certificate is a low-risk investment option

A Certificate locks up your savings for a set period of time, and earns higher rates than a basic savings account. Small savers earn the same great rates as big depositors at Stanford FCU, and the longer your term, the higher your rate. Become a member first, then open your Certificate in Online or Mobile Banking.

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Earn up to 0.45% APY on our 7-Month No Penalty Certificate with no penalty for early closure!

Get our best rates with a Partner or Ambassador-level Membership Rewards relationship by opening more accounts!

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Open a Certificate with as little as $1,000

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After you open your Certificate, check out our Companion Account—it’s a basic savings account that earns a high rate when partnered with a Certificate

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Terms up to 60 months

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Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration

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Certificate Rates

Premium Share Certificate Rates for Partners & Ambassadors

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Term Dividend Rate
(Minimum $1,000)		 Annual Percentage Yield
Minimum $1,000
3 months 0.25% 0.25%
6 months 0.30% 0.30%
7 months
(no penalty)		 0.45% 0.45%
12 months 0.55% 0.55%
18 months 0.55% 0.55%
24 months 0.60% 0.60%
36 months 0.65% 0.65%
48 months 0.70% 0.70%
60 months 0.75% 0.75%

Share Certificate Rates

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Term Dividend Rate
(Minimum $1,000)		 Annual Percentage Yield
Minimum $1,000
3 months 0.05% 0.05%
6 months 0.10% 0.10%
7 months
(no penalty)		 0.25% 0.25%
12 months 0.35% 0.35%
18 months 0.35% 0.35%
24 months 0.40% 0.40%
36 months 0.45% 0.45%
48 months 0.50% 0.50%
60 months 0.55% 0.55%

Effective 1/1/2021

View All Deposit Rates

Looking for higher earning potential?

Visit our Wealth Management section to learn more!

Learn More

Savings Education

Learn the financial basics about savings accounts with our Online Learning Modules.

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Dividends are compounded and paid monthly. Once a Certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply and may reduce earnings. The 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty. Membership eligibility is required.