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 can still earn the same great rate at Stanford FCU.
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
- NEW 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 | 3.83% | 3.90% |
| 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 | 3.33% | 3.38% |
| 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 3/28/25
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.
*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.
