Stanford FCU and the Banks
See how Stanford FCU compares to the banks and how we’re different from the banks.
Stanford FCU comparable to the banks
- Depositors are insured the same: The federal insurance on accounts at Wells Fargo, Bank of America and other large banks is the same as federal insurance on the accounts at Stanford FCU (learn more).
- Nationwide access to ATMs and services: Stanford FCU reimburses most member ATM fees and we participate in the Co-op ATM network and credit union shared branching (learn more).
- Robust products: Credit cards with competitive rewards, transactional accounts, auto, mortgage, and commercial loans, online banking, and 24/7 contact centers.
Stanford FCU different from the banks
- Member/owners: Stanford FCU does not have the pressure of investor stockholders to achieve earnings per share so we never put shareholder profits before safety. Credit unions have never had a depositor loss in an institutional failure.
- Rates and value: Rates at Stanford FCU are typically higher on deposits, with lower rates and fees on loans than at the Big 4 banks (learn more).
- Stanford FCU has been around since 1959 with a robust history of growth in a safe and secure manner. Our capital is strong and we maintain excess equity and cash that prioritize safety and soundness (learn more).
- Stanford FCU Executives and Board have a strategic focus on value to our members! Stanford FCU Directors are volunteers and are all credit union members with a sole focus on safety and soundness and member value provided to all member/owners.