Certificates
Earn great returns with a Certificate!
A Certificate locks up your savings for a set period of time and earns a higher rate than a savings account. Whether your Certificate is $100 or $100,000 you’ll earn the same great rate!
Today's best rate!
8-Month Certificate Special 4.40% APY*
Today's best rate!
12-Month Certificate up to 4.30% APY*
Get started!
- Become a member of Stanford FCU. Anyone can join!
- Open a Certificate in Digital Banking.
- Start earning!
Features
- $100 minimum deposit
- Deposits are federally insured by the NCUA up to $250,000 (Individual Retirement Accounts up to an additional $250,000)
- Terms range from 3 months to 5 years
- 7-Month No Penalty Certificate lets you make early withdrawals
- One Certificate rate bump per year for Ambassadors**
- After you open your Certificate, check out our Companion Account—it’s a savings account that earns an amazing rate when partnered with a Certificate
Certificate Rates
Premium Share Certificate Rates for Partners & Ambassadors
Scroll Right for More Data
| Term | Dividend Rate (Minimum $100) |
Annual Percentage Yield (Minimum $100) |
|---|---|---|
| 3 months | 1.98% | 2.00% |
| 6 months | 3.69% | 3.75% |
| 7-Month No Penalty | 3.93% | 4.00% |
| 8-Month Certificate Special* | 4.31% | 4.40% |
| 12 months | 4.22% | 4.30% |
| 24 months | 3.64% | 3.70% |
| 36 months | 3.44% | 3.49% |
| 48 months | 3.44% | 3.49% |
| 60 months | 3.44% | 3.49% |
Share Certificate Rates
Scroll Right for More Data
| Term | Dividend Rate (Minimum $100) |
Annual Percentage Yield (Minimum $100) |
|---|---|---|
| 3 months | 1.48% | 1.49% |
| 6 months | 3.19% | 3.24% |
| 7-Month No Penalty | 3.43% | 3.48% |
| 8-Month Certificate Special* | 4.31% | 4.40% |
| 12 months | 3.72% | 3.78% |
| 24 months | 3.14% | 3.19% |
| 36 months | 2.94% | 2.98% |
| 48 months | 2.94% | 2.98% |
| 60 months | 2.94% | 2.98% |
Effective 7/1/25
Savings Education
Learn the financial basics about savings accounts with our Online Learning Modules.
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.
*APY=Annual Percentage Yield. Available 7/1/25 – 7/31/25. New money required. New money is money that is not currently in a checking account, savings account or certificate with Stanford FCU. The Membership Rewards bonus is not available for this certificate. At maturity, the 8-Month Certificate Special 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.
**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.
