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BEWARE OF IMPOSTER TEXT ALERTS FROM SFCU! Do not click links, do not reply, do not call their phone number, do not give out your login ID, password or access code. Always call us directly at 888.723.7328 to confirm.

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!

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 Certificates with a minimum 12-month term can qualify for a mortgage rate discount up to 0.35%1

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 3.00% 3.04%
12 months 4.00% 4.07%
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 2.75% 2.78%
12 months 3.75% 3.82%
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 12/2/22

Looking for higher earning potential?

Visit our Wealth Management section to learn more!

Learn More

Savings Education

Learn the financial basics about savings accounts with our Online Learning Modules.

Learn More

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 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.