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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.

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Earn up to 0.55% APY on our 7-Month No Penalty Certificate with no penalty for early closure!

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

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Open a Certificate with as little as $1,000

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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

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Terms up to 60 months

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Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration

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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 0.25% 0.25%
6 months 0.35% 0.35%
7 months
(no penalty)		 0.55% 0.55%
12 months 0.65% 0.65%
18 months 0.65% 0.65%
24 months 0.70% 0.70%
36 months 0.75% 0.75%
48 months 0.80% 0.80%
60 months 0.85% 0.85%

Share Certificate Rates

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Term Dividend Rate
(Minimum $1,000)		 Annual Percentage Yield
Minimum $1,000
3 months 0.05% 0.05%
6 months 0.15% 0.15%
7 months
(no penalty)		 0.35% 0.35%
12 months 0.45% 0.45%
18 months 0.45% 0.45%
24 months 0.50% 0.50%
36 months 0.55% 0.55%
48 months 0.60% 0.60%
60 months 0.65% 0.65%

Effective 11/20/2020

View All Deposit Rates

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.