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.

Earn up to 1.66% APY on our 7-Month No Penalty Certificate with no penalty for early closure!

Earn even higher 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 new Companion Account—it’s a basic savings account that earns an amazing 1.76% APY when partnered with a Certificate

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Terms from 3 months to 5 years

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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

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 1.45% 1.46%
6 months 1.65% 1.66%
7 months
(no penalty)
1.65% 1.66%
12 months 2.05% 2.07%
18 months 2.15% 2.17%
24 months 2.25% 2.27%
36 months 2.30% 2.32%
48 months 2.35% 2.38%
60 months 2.40% 2.43%

Share Certificate Rates

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Term Dividend Rate
(Minimum $1,000)
Annual Percentage Yield
Minimum $1,000
3 months 1.20% 1.21%
6 months 1.40% 1.41%
7 months
(no penalty)
1.40% 1.41%
12 months 1.80% 1.81%
18 months 1.90% 1.92%
24 months 2.00% 2.02%
36 months 2.05% 2.07%
48 months 2.10% 2.12%
60 months 2.15% 2.17%

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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Effective 12/17/19
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.