FAQs

Stanford FCU is a great place to work, and we’re always looking for talented individuals to join our team!

Visit our Careers Page to learn more and browse our job openings.

Visit our About Us page to learn more about who we are and what we do.

Mailing Address:
Stanford Federal Credit Union
PO Box 10690
Palo Alto, CA 94303-0843

For a list of all branch locations and their respective mailing addresses, please see our ATM and Branch Locator.

Please refer to our Contact Us page for all the ways you can contact us, including mailing addresses, phone numbers and department fax numbers.

Visit our Branch and ATM Locator to find Stanford FCU branches and ATMs, or to locate one of our 30,000 fee-free ATMs.

If you believe your card has been lost or stolen, please contact a Member Care Team Specialist immediately at 888.723.7328 to protect your accounts.

Yes, we’re proud of our financial strength! You can view our most recent Annual Report online.

Stanford FCU’s routing number is 321177722.

The Routing Number is also called an ABA number or routing transit number. You can find it in the lower left corner of your checks.

Financial institutions use routing numbers in order to process payments electronically. Some examples of electronic payments that Stanford FCU provides are bill pay, wire transfers, checking transactions (sometimes called electronic checks), and direct deposits.

With Digital Banking, you can access all of these electronic payment methods from your home in a safe and secure environment. Sign up today!

The branches and offices for Stanford FCU are closed on all federal holidays listed below, unless special hours are noted.

New Year’s Day: Thursday, January 1, 2026
Martin Luther King, Jr. Day: Monday, January 19, 2026
Presidents’ Day: Monday, February 16, 2026
Memorial Day: Monday, May 25, 2026
Juneteenth National Independence Day: Friday, June 19, 2026
Independence Day: Saturday, July 4, 2026
Labor Day: Monday, September 7, 2026
Columbus/Indigenous People’s Day: Monday, October 12, 2026
Veterans Day: Wednesday, November 11, 2026
Thanksgiving: Thursday – Friday, November 26-27, 2026
Christmas Eve: We are open until 2:00pm on Thursday, December 24, 2026
Christmas Day: Friday, December 25, 2026
New Year’s Eve: We are open until 2:00pm on Thursday, December 31, 2026

ATMs and Digital Banking are always open. You can also call us 24/7 at 888.723.7328.

The FDIC provides oversight and insurance for banks and thrifts, while credit unions are insured by the National Credit Union Administration (NCUA). Both institutions insure accounts up to $250,000.

You can learn more about the difference between banks and credit unions by watching our short video.

Not a member yet? Join today!

If you want a banking experience that delivers lower home and vehicle loan rates, higher savings and investment rates, and leading-edge Digital Banking access, Stanford Federal Credit Union is the banking choice for you. We’re a member-owned financial cooperative providing personal service along with convenient nationwide access through Co-op shared branches.

Joining is easy! You can open an account online with as little as $5.00. Open your account today!

A credit union and a bank are both financial institutions that provide checking and savings accounts, credit cards and other financial services, but they have some key differences in how they are run and organized.

Credit unions

• Not-for-profit
• Members have a voice!
• Board of Directors are volunteers
• Income goes back to members (that's you!)
• Low to no fees for members
• Compelling savings rates
• Federally insured by NCUA

Banks

• For profit
• Stockholders have a voice
• Board of Directors are paid by the bank
• Income goes to the stockholders (boo!)
• Higher fees
• Average savings rates
• Federally insured by FDIC

Credit unions are member-owned. That means members have an active voice in how the credit union is run and the decisions the credit union makes. In contrast, banks are owned by their shareholders. Bank customers aren’t invited to shareholder meetings (unless they are also a shareholder), but all credit union members are regularly invited to the credit union’s annual meeting.

Another key difference is what the financial institutions do with their profits. Banks are for profit and need to pay their Board of Directors and shareholders. Since the goal is to make money, they may charge higher fees and offer lower savings rates. Credit unions, on the other hand, are not-for-profit. Any extra income they make goes back to the members in the form of better savings rates, lower loan rates, and reduced or waived fees.

Both credit unions and banks carry federal insurance for their members’ and customers’ money. Banks are insured through the Federal Deposit Insurance Corporation (FDIC), and credit unions are insured through the National Credit Union Administration (NCUA). The insurance limits through both agencies are the same.

Both credit unions and banks are safe places for your money, but we believe that credit unions are something truly special. A credit union like Stanford FCU cares about you as a person (and not just an account number) and will bend over backwards to find ways to say YES to your financial success. We put our members first, and we invite you to experience the credit union difference for yourself.

Join now.