Certificates - Stanford Federal Credit Union Skip to main content


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.

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

NEW Certificate benefit for Ambassadors:
Ambassador level members can now bump up the interest rate for any one Certificate to the current higher rate once every 12 months.1


  • 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)
  • NEW One certificate rate bump per year for Ambassadors1
  • New Certificates with a minimum 12-month term can qualify for a mortgage rate discount up to 0.35%2

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 1.90% 1.92%
6 months 2.25% 2.27%
7-Month No Penalty 4.00% 4.07%
12 months 4.75% 4.85%
24 months 3.30% 3.35%
36 months 3.30% 3.35%
48 months 3.40% 3.45%
60 months 4.15% 4.23%

Share Certificate Rates

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Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
Minimum $1,000
3 months 1.65% 1.66%
6 months 2.00% 2.02%
7-Month No Penalty 3.75% 3.82%
12 months 4.50% 4.59%
24 months 3.05% 3.09%
36 months 3.05% 3.09%
48 months 3.15% 3.20%
60 months 3.90% 3.97%

Effective 3/24/23

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Savings Education

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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.

1 Bump the interest rate for any one Certificate up to the current higher rate once every 12 months. Must be an Ambassador for a minimum three consecutive months, and a Certificate can only bump once during its existing term until it rolls into a new term.

2 A new Stanford FCU Certificate with a minimum term of 12 months must be opened with new money from another financial institution prior to drawing documents for the new mortgage. Discount is not available for limited-time, promotional or special Certificate rates. One rate discount per first lien purchase or refinance mortgage only. 0.35% mortgage rate discount when you invest 37.5% of your loan amount in a high-rate 12-month Certificate or 0.25% discount with a 25% investment. Example: To receive the 0.35% rate discount on a $1 million mortgage, your Certificate amount must be a minimum of $375,000.