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Due to scheduled maintenance, our website may be down on Tuesday, August 16th very briefly between 8:00 pm to 2:00 am PT. We apologize for any inconvenience. Please use the mobile app or call us at 888.723.7328 for urgent requests.

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Due to scheduled maintenance, our website may be down on Tuesday, August 16th very briefly between 8:00 pm to 2:00 am PT. We apologize for any inconvenience. Please use the mobile app or call us at 888.723.7328 for urgent requests.

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.

Special limited-time offer

11-Month Certificate with a rate as high as 2.43% APY!

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

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

Features

  • Open a Certificate with as little as $1,000
  • 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
  • Terms up to 60 months
  • Deposits are federally insured by the NCUA to at least $250,000 (Individual Retirement Accounts up to an additional $250,000)

Certificate Rates

Premium Share Certificate Rates for Partners & Ambassadors

Scroll Right for More Data

Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
Minimum $1,000
3 months 1.00% 1.00%
6 months 1.35% 1.36%
7-Month No Penalty 1.50% 1.51%
11-Month Special Offer*
Ends 8/31/22!
2.40% 2.43%
12 months 2.25% 2.27%
24 months 2.55% 2.58%
36 months 2.65% 2.68%
48 months 2.75% 2.78%
60 months 3.20% 3.25%

Share Certificate Rates

Scroll Right for More Data

Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
Minimum $1,000
3 months 0.75% 0.75%
6 months 1.10% 1.11%
7-Month No Penalty 1.25% 1.26%
11-Month Special Offer*
Ends 8/31/22!
2.15% 2.17%
12 months 2.00% 2.02%
24 months 2.30% 2.32%
36 months 2.40% 2.43%
48 months 2.50% 2.53%
60 months 2.95% 2.99%

Effective 8/15/2022

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.

Learn More

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.

*Annual Percentage Rate (APY). The disclosed Dividend rates and APYs were accurate as of 8/15/22. A penalty for early withdrawal may be imposed. All accounts are subject to the normal credit union account opening terms. Minimum opening deposit is $1,000 of new money with no maximum. To secure the promotional rate, Member must apply between 8/15/22 and 8/31/22. A checking or savings account is required with Stanford FCU to open a Certificate.

At maturity, account automatically renews at a 12-month term, at the rate in effect on the maturity date. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later.