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.
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
Features
- 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
Scroll Right for More Data
| 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
Scroll Right for More Data
| 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
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.
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.
