Companion Account

A basic savings account that earns an amazing 1.76% APY*!

This incredible rate is available on the entire qualifying account balance when partnered with a Savings, Money Market or Certificate, and you’ll have complete access to your Companion Account funds.

How It Works

  • Open a Stanford FCU Savings, Money Market or high-rate Certificate (or use an existing account), then open your Companion Account—it will automatically link to your savings account with the highest balance (contact us to change the linked account later).
  • You can open any deposit account through Online or Mobile Banking under Open an Account > Certificate or Checking & Savings (Companion Account is under Savings, and Money Market is under Checking).
  • Non-members will need to join Stanford FCU by opening a Savings or Money Market Account, then logging into Online or Mobile Banking to open the Companion Account.
  • Fund your accounts with a mobile check deposit, account-to-account transfer, or transfer from an external account at another financial institution.

What’s the catch?

  • Your maximum balance in the Companion Account should not exceed the balance in your linked Savings, Money Market or Certificate. But if you have multiple accounts, you can open an unlimited number of Companion Accounts—all earning 1.76% APY (e.g., open a $10,000 Certificate, and open a Companion Account up to $10,000).
  • The funds in the Companion Account must be new money from another financial institution (not Stanford FCU).
  • If you close the linked Certificate, the Companion Account that’s attached to it will roll into a regular Savings Account earning a lower rate.
  • If the balance in the linked Savings or Money Market Account drops below the Companion Account balance, the excess funds in the Companion Account will earn zero interest (0%).



Savings Education

savingsA good savings plan is key to a secure financial future. Get started with these online learning modules and tools.


  • High rates on all qualifying balances
  • No minimum balance requirement or monthly fees
  • Easy access with a debit card or through Online or Mobile Banking


Account Description Dividend Rate Annual Percentage Yield (APY)
Companion Account 1.75% 1.76%

See Rates

Membership Rewards

As a true not-for-profit financial cooperative, the more our member-owners use the services of their credit union, the stronger we become—and the more low cost services we can provide. That’s the basis of our Membership Rewards program—the more services you use, the more benefits you’ll receive! Whether you are a borrower, saver or both, you will receive extra benefits when you take advantage of the many great products and services at Stanford FCU. Move all of your financial services to Stanford FCU and easily reach the highest level of Membership Rewards. It’s easy to switch and we can help!

You’ll enjoy exclusive benefits like bonus deposit yields and loan rate discounts, unlimited surcharge-FREE ATMs worldwide and more based on your Membership Rewards level—so why stand for anything less? Make the most out of your banking experience with Membership Rewards.

Partner Ambassador
FREE Access to ATMs Worldwide Surcharge reimbursements for ATMS outside our ATM networks* Yes, 3 per month Yes, unlimited*
FREE access 30,000 CO-OP ATMs and 6,000 CO-OP Shared Branches Yes Yes
Certificate Bonus Rate Yes Yes
Money Market Account Bonus Rate No Yes
Premier Checking Bonus Rate No Yes
Discount on Auto Loan Rate 0.50% APR Discount 1.00% APR Discount
Stanford FCU Mortgage Fees Waived** No Yes
Fee Refunds:
Below Minimum Balance Fees 50% 100%
Stop Payment Fee 50% 100%
Outgoing Wire Fees 50% 100%
Select Service Charges 50% 100%

Learn more about
Membership Rewards

* Maximum ATM surcharge reimbursement is $5 per ATM transaction. ** Third-party fees still apply.


*APY = Annual Percentage Yield. The Companion Account must be funded with new money from another financial institution, and the balance should not exceed the linked Savings, Money Market or Certificate balance. Dividends are compounded and paid monthly based on the average daily balance in the Companion Account. If the average daily balance in the Companion Account exceeds the average daily balance in the linked savings account, then dividends will be compounded and paid monthly based only on the average daily linked account balance (example: if the Companion Account balance is $5,000, and the linked Money Market Account balance fluctuates throughout the month, but averages $3,000, then $3,000 in the Companion Account will earn the quoted APY and the remaining $2,000 will earn 0% APY).


Membership eligibility requirement will apply. Additional requirements may apply to receive the quoted APYs. The rates presented here are accurate as of August 13, 2019 and are subject to change without notice. Current rates may be obtained by calling us at 888.723.7328 or visiting
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