Strong. Safe. Secure.

Stanford FCU was founded in 1959 and today has 90,000 members worldwide with $4.3 billion in assets.

If you’re new to Stanford Federal Credit Union or just curious about our financial position, I want to reassure you that your money is safe with us.

Our capital level at 10.67% (as of 9/30/24) is well above the “well-capitalized” threshold of 7.0% set by our federal regulators.
In 2024 (as of 9/30/24), in an economic climate where many of our peers lost net deposits, Stanford FCU increased our deposits by 7.6% and grew our net membership by 3.3%.
We continue to be a conservatively managed financial institution you can trust with your savings.

I’m passionate about the credit union difference and want to take this opportunity to remind you what it means for you. As a credit union, we’re different than a bank because we’re structured and operate as a non-profit financial cooperative. The foundation of this structure is that we don’t distribute net income to a small group of investors or shareholders. It’s important that we make net income to build capital for safety and soundness purposes. However, beyond that, our focus is on expanding our service offerings and providing strong value to you. Our value comes to you in the form of competitive rates and very minimal fees—much lower than our for-profit competition and very low compared to our credit union peers. Our value is also reflected in our service to you—we strive to be reachable and responsive!

As a financial cooperative, pricing and rebates are stronger the more you do with us, rewarding you as you deepen your relationship with us. If you’re not getting our best rates, reach out to our member care team for assistance.

We hope you feel reassured that your money is safe and secure at Stanford FCU. We’ve been in business serving the Bay Area since 1959, and we work every day to strengthen the trust our members have in us.

NCUA Call Reports

You can view Stanford FCU’s financial performance reports on NCUA’s website using our Charter Number 13392.

View reports

Your credit union is…

Financially sound

Stanford FCU is in the top 100 credit unions in the U.S. by asset size and very conservatively managed. Our capital is strong and we maintain equity reserves and liquid investments that prioritize safety and soundness.

Different than a bank

Credit unions are not-for-profit so we never put profits before people. All decisions are made in the best interests of our member/owners. Our volunteer Board of Directors and Supervisory Committee provide direction and oversight.

Federally regulated

Stanford FCU is regulated and insured by the National Credit Union Administration (NCUA), an independent agency of the U.S. government, just as banks are regulated and insured by the Federal Deposit Insurance Corporation (FDIC).

Deposits are federally insured

The NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF) which insures the deposits of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. NCUSIF is backed by the full faith and credit of the U.S. government.

Deposits are insured up to at least $250,000. Individual Retirement Accounts (IRAs) up to an additional $250,000. Accounts can be structured for more coverage. Schedule an in-person or virtual appointment so we can help maximize your coverage or visit the NCUA’s share insurance web page for more information.