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’ll earn the same great rate!
Today's best rate!
4.20% APY1 8-Month Love My Rate Certificate
$100 minimum to open—new money required
Available through March 31, 2026
Pair your Certificate with a Companion Account to earn 3.25% APY2 on money you want to keep easy to access.
Today's best rate!
12-Month Certificate up to4.30% 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 has no early withdrawal penalty
- One Certificate rate bump per year for Ambassadors3
- 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 | 3.40% | 3.45% |
| 7-Month No Penalty | 3.45% | 3.50% |
| 8-Month Love My Rate Certificate1 | 4.12% | 4.20% |
| 12 months | 3.78% | 3.85% |
| 24 months | 3.49% | 3.55% |
| 36 months | 3.30% | 3.35% |
| 48 months | 3.30% | 3.35% |
| 60 months | 3.45% | 3.50% |
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 | 2.90% | 2.94% |
| 7-Month No Penalty | 2.95% | 2.99% |
| 8-Month Love My Rate Certificate1 | 4.12% | 4.20% |
| 12 months | 3.28% | 3.33% |
| 24 months | 2.99% | 3.03% |
| 36 months | 2.80% | 2.84% |
| 48 months | 2.80% | 2.84% |
| 60 months | 2.95% | 2.99% |
Effective 2/2/26
Savings Education
Learn the financial basics about savings accounts with our Online Learning Modules.
APY= Annual Percentage Yield. Rates are subject to change without notice. Membership eligibility is required. 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.
1. To secure the promotional rate on the 8-Month Love Your Rate Certificate, you must apply between 2/2/26–3/31/26. Minimum opening deposit is $100 of new money with no maximum. Additional rate bonuses are not available for this Certificate. A checking or savings account is required with Stanford FCU to open a Certificate. New money required. New money is money that is not currently in a checking account, savings account or Certificate with Stanford FCU. At maturity, the 8-Month Love Your Rate Certificate 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.
2. The Companion Account rate is variable. The Companion Account must be linked to a Certificate and funded with new money from another financial institution. If the linked Certificate is closed, the Companion Account converts to a regular savings account earning a lower rate.
3. 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.
