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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.
Special limited-time offer
Get our best rates with a Partner or Ambassador-level Membership Rewards relationship by opening more accounts!
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 | 1.00% | 1.00% |
6 months | 1.35% | 1.36% |
7-Month No Penalty | 1.50% | 1.51% |
11-Month Special Offer* Ends 8/31/22! |
2.40% | 2.43% |
12 months | 2.25% | 2.27% |
24 months | 2.55% | 2.58% |
36 months | 2.65% | 2.68% |
48 months | 2.75% | 2.78% |
60 months | 3.20% | 3.25% |
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Term | Dividend Rate (Minimum $1,000) |
Annual Percentage Yield Minimum $1,000 |
---|---|---|
3 months | 0.75% | 0.75% |
6 months | 1.10% | 1.11% |
7-Month No Penalty | 1.25% | 1.26% |
11-Month Special Offer* Ends 8/31/22! |
2.15% | 2.17% |
12 months | 2.00% | 2.02% |
24 months | 2.30% | 2.32% |
36 months | 2.40% | 2.43% |
48 months | 2.50% | 2.53% |
60 months | 2.95% | 2.99% |
Effective 8/15/2022
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.
*Annual Percentage Rate (APY). The disclosed Dividend rates and APYs were accurate as of 8/15/22. A penalty for early withdrawal may be imposed. All accounts are subject to the normal credit union account opening terms. Minimum opening deposit is $1,000 of new money with no maximum. To secure the promotional rate, Member must apply between 8/15/22 and 8/31/22. A checking or savings account is required with Stanford FCU to open a Certificate.
At maturity, account automatically renews at a 12-month term, at the rate in effect on the maturity date. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later.