Certificates
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!
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Term | Dividend Rate (Minimum $1,000) |
Annual Percentage Yield Minimum $1,000 |
---|---|---|
3 months | 0.35% | 0.35% |
6 months | 0.65% | 0.65% |
7-Month No Penalty | 0.70% | 0.70% |
12 months | 1.20% | 1.21% |
24 months | 1.30% | 1.31% |
36 months | 1.70% | 1.71% |
48 months | 1.75% | 1.76% |
60 months | 2.50% | 2.53% |
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Term | Dividend Rate (Minimum $1,000) |
Annual Percentage Yield Minimum $1,000 |
---|---|---|
3 months | 0.15% | 0.15% |
6 months | 0.45% | 0.45% |
7-Month No Penalty | 0.50% | 0.50% |
12 months | 1.00% | 1.00% |
24 months | 1.10% | 1.11% |
36 months | 1.50% | 1.51% |
48 months | 1.55% | 1.56% |
60 months | 2.30% | 2.32% |
Effective 5/10/2022
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.