Rates


Loan | Deposit | Certificate | Mortgage

Business Loans


We make business loans simple and straightforward

When you own your own business, every minute counts and every dollar does, too. Stanford FCU is the perfect place for all your business banking, because as a member-owned financial cooperative, we provide the business services and loans you need, without all of the fees and high rates charged by traditional financial institutions.  Stanford FCU understands and supports you and the unique needs of your business. Our Business Connect program is a complete line-up of value-driven financial services, exclusively for small to mid-size companies. And, since we’re a not-for-profit credit union, we have no hidden charges, lower fees on loans and better yields on savings—so you get the most out of your money. That’s business banking done right.

Commercial Real Estate Loan

Let’s grow your business together

At Stanford FCU, you’re a member-owner, not a number. We treat your business like it’s our business, so you can expect to receive quick responses and knowledgeable, caring personal service. Whether you’re starting a new business or looking to expand your current business, our Business Loan Program offers Commercial Real Estate loans to meet your current and future business needs—at great low rates. Plus, our loan experts can provide professional financial guidance—a service most big banks don’t take the time to offer. No matter what your goals are for your business, we’re here to support you every step of the way.

Business Loans

When you need a business loan, we’re here to help

A Stanford FCU, a Business Line of Credit allows you to borrow only as much as you need, when you need it. Our business lines of credit are traditional working capital lines, which are a perfect solution to meet your financial needs—quickly! If you’re planning to expand or purchase a business, build a new facility or add new equipment, we can help you with a range of financing options. We offer competitively-priced business loans and lines of credit designed to match the financial character of your business, the seasonality of your cash flow, your space and equipment needs, and your growth plans.

Male Architect With Digital Tablet Studying Plans In Office

Small Business Administration (SBA) 504

Stanford FCU is a Preferred SBA Lender for a good reason…we help businesses just like yours every day

Stanford FCU is the right choice for your business lending needs. As a Preferred Lender with the U.S. Small Business Administration (SBA), we can offer you more flexibility and faster loan decisions on SBA loans. We can help your business with a wide variety of lending needs—including long-term, fixed-rate financing—as a means to acquire real estate for your business.
We will work with you to understand your business, your needs, your challenges and your opportunities.

Deposit Rates


Account Description Dividend Rate Annual Percentage Yield (APY)
Share (Savings) Account 0.20% 0.20%
Companion Account* 2.00% 2.02%
Kid’s Stanford Savers Account 0.20% 0.20%
Premier Checking 0.10% 0.10%
Premier Checking – Ambassador 0.20% 0.20%
Individual Retirement Account (IRA) 0.20% 0.20%
Health Savings Account (HSA) 0.20% 0.20%
Premier Health Savings Account (PHSA) 1.50% 1.51%

 

Money Market Account Rates for Ambassador Member Relationships (Learn about higher rates with Membership Rewards)

Account Balance Dividend Rate Annual Percentage Yield (APY)
$50-$2,499.99 0.00% 0.00%
$2,500 and over 0.95% 0.95%

Money Market Account Rates  (Learn about higher rates with Membership Rewards)

Account Balance Dividend Rate Annual Percentage Yield (APY)
$50-$2,499.99 0.00% 0.00%
$2,500 and over 0.70% 0.70%

See Certificate Rates

Note: Rates effective January 16, 2019

 

*A Stanford FCU Certificate must be opened before a Companion Account can be opened. The Companion Account must be funded with new money from another financial institution, and the balance cannot exceed the companion Certificate balance.

Certificate and Individual Retirement Account (IRA) Certificate Rates


Your assets will grow faster by investing in a Stanford FCU Share Certificate! You’ll get even higher rates with Membership Rewards. Our Partner and Ambassador level certificates offer higher rates of return than a savings account and you’ll have a choice of fixed investment terms.

Not a Partner or Ambassador?
No worries, you‘ll still receive great rates with our Share Certificates. See rates below.

Premium Share Certificate Rates for Partner & Ambassador (learn more about Membership Rewards)

See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7

Term >$1,000
Dividend Rate Annual % Yield
3 months 1.90% 1.92%
6 months 2.20% 2.22%
7 months
(no penalty!)
2.15% 2.17%
12 months 2.50% 2.53%
18 months 2.60% 2.63%
24 months 2.75% 2.79%
36 months 2.85% 2.89%
48 months 3.05% 3.09%
60 months 3.25% 3.30%

Share Certificate Rates (learn more about Membership Rewards)

See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7

Term >$1,000
Dividend Rate Annual % Yield
3 months 1.65% 1.66%
6 months 1.95% 1.97%
7 months
(no penalty!)
1.90% 1.92%
12 months 2.25% 2.27%
18 months 2.35% 2.38%
24 months 2.50% 2.53%
36 months 2.60% 2.63%
48 months 2.80% 2.84%
60 months 3.00% 3.04%

Premium IRA Certificates Partner & Ambassador (learn more about Membership Rewards)

See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7

Term >$1,000
Dividend Rate Annual % Yield
12 months 2.50% 2.53%
18 months 2.60% 2.63%
24 months 2.75% 2.79%
36 months 2.85% 2.89%
48 months 3.05% 3.09%
60 months 3.25% 3.30%

IRA Certificates (learn more about Membership Rewards)

See following footnotes for applicable Terms and Conditions: 1 2 3 4 5 6 7

Term >$1,000
Dividend Rate Annual % Yield
12 months 2.25% 2.27%
18 months 2.35% 2.38%
24 months 2.50% 2.53%
36 months 2.60% 2.63%
48 months 2.80% 2.84%
60 months 3.00% 3.04%

Rates effective January 16, 2019

Term & Conditions:

1 The certificate rates presented here are accurate as of the above date. Current rates may be obtained by calling us at 650.723.2509, or toll free at 888.723.7328.

2 The rate in effect at the time of purchase is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings.

3 No additional deposits are permitted to a Certificate once it is opened, unless otherwise disclosed.

4 Any reduction of the principal amount below the minimum principal tier for the rate established at Certificate origination will terminate the Certificate. We may impose the following penalties for early withdrawal of a Certificate. The penalty for Certificate of initial term less than one year will be equal to ninety (90) days of dividends. The penalty for Certificates of one year or greater will be equal to one hundred eighty (180) days of dividends. The penalty for Certificates of four years or greater will be equal to three hundred sixty five (365) days of dividends. 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty.

5 The penalty may be deducted from either dividends or principal.

6 This Certificate is non-negotiable and non-transferable.

7 You will be given notice of the Maturity Date thirty (30) days in advance. The Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7) days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty.

Mortgage Rates

Today’s Rates

Contact us for all available mortgage loan products and rates!

5/1 Conforming ARM7/1 Jumbo ARM30 Year Fixed Jumbo
4.525% APR4.571% APR4.806% APR
3.500% Rate3.750% Rate4.750% Rate
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