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!


  • 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 Ambassadors*

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 2.15% 2.17%
6 months 2.50% 2.53%
7-Month No Penalty 4.75% 4.85%
12 months 5.25% 5.38%
24 months 4.50% 4.59%
36 months 4.50% 4.59%
48 months 4.00% 4.07%
60 months 4.00% 4.07%

Share Certificate Rates

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Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
(Minimum $1,000)
3 months 1.40% 1.41%
6 months 1.75% 1.76%
7-Month No Penalty 4.00% 4.07%
12 months 4.50% 4.59%
24 months 3.75% 3.82%
36 months 3.75% 3.82%
48 months 3.25% 3.30%
60 months 3.25% 3.30%

Effective 1/2/24

Looking for higher earning potential?

Visit our Wealth Management section to learn more!

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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.

*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.