Companion Account
You’ll earn an amazing high rate on this basic savings account when you partner it with a Certificate!
Become a member first, then open your Certificate before opening your Companion Account in Digital Banking.
Earn 3.25% APY* on easy to access money
Pair a Companion Account alongside a 4.20% APY** 8-Month Love Your Rate Certificate to balance growth and flexibility.
$100 minimum to open—new money required
Available through March 31, 2026
Features
- No minimum deposit to open the account (minimum $50 balance to earn dividends)
- No minimum balance requirement or monthly fee
- Access funds with a debit card and through Digital Banking
- Companion Accounts can be opened when you have a Certificate (if the linked Certificate is closed, the Companion Account will convert to a regular savings account earning a lower rate)
- Maximum balance in the Companion Account cannot exceed the balance of the linked Certificate
- Deposits are federally insured by the NCUA to at least $250,000
Companion Account Rates
Scroll Right for More Data
| Account Description | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Companion Account* - Balances up to those in the linked Certificate - Balances > than those in the linked Certificate - Converts to a Share (Savings) Account if the linked Certificate is closed |
3.20% 0.00% 0.10% |
3.25% 0.00% 0.10% |
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.
*The Companion Account rate is variable. The Companion Savings account is linked to a Certificate and the account must be funded with new money from another financial institution. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. If the linked Certificate is closed, the Companion Account converts to a regular savings account earning a lower rate.
**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. Once a Certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply and may reduce earnings. 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.
