FAQs

Although we serve employees of select companies, anyone can join Stanford FCU! Click here to learn about our amazing benefits, and click here to join online in minutes!

Credit union members receive a number of benefits, including:

• Fewer fees
• Lower loan rates 
• Higher rates of return on savings accounts
• Personal attention
• Free financial education
• And more!

Your dreams matter to your credit union. Watch now.

Not a member yet? Joining is easy! You can open an account with Stanford FCU with as little as $5.00. Open your account today!

You can open your new membership online or at a local Stanford FCU branch. You’ll need a current government-issued photo ID, a U.S. address, and $5.00 as your membership share (normally paid by Stanford FCU).

We’re a not-for-profit credit union that’s owned by 92,000 members! We give back to our members every day with low rates on loans, high rates on savings, low fees and personal service. Our focus is always on our member/owners, and we’re constantly searching for new ways to offer greater value.

Joining is easy! Open your account today!

Yes! You will be asked to submit an additional tax form along with the membership application and a government-issued picture ID.

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 a digital account with as little as $5.00. Open your account today!

We proudly serve the banking needs of individuals and families who comprise the Stanford community, including Stanford University and Hospital staff, faculty, students and alumni. We also serve employees of over 100 companies throughout the Bay Area. Family members of existing Stanford FCU members are also eligible to join.

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 a digital account with as little as $5.00. Open your account today!

A Select Employer Group (SEG) is a company that partners with Stanford FCU to offer financial services and education as a benefit to its employees.

We proudly serve the banking needs of employees of over 100 employers throughout the Bay Area. As a not-for-profit credit union, employees will benefit from higher rates on accounts, lower rates on loans, and they won’t have to worry about hidden fees and surprises. Check out the full list of companies we serve.

If your company is interested in becoming one of our SEGs, you can learn more on our Company Benefits page.

Form W-8BEN, a Certificate of Foreign Status of Beneficial Owner for U.S. Tax Withholding, is used by a foreign person to establish both foreign status and beneficial ownership, and to claim income tax treaty benefits with respect to income other than compensation for personal services. We must have this form on file to guide us on the tax withholding for any interest-bearing accounts that you have with us. You can complete the W-8BEN form in Digital Banking.

No! You’re a member for life and we don’t want to see you go! You can access your accounts and perform most transactions worldwide 24/7 through Digital Banking or schedule an appointment at our Virtual Branch. We also have over 6,000 shared branch locations with other credit unions, where you can conduct business as if you were at one of our local branches.

International students who are coming to the United States to attend school at Stanford University are welcome! You can open your account online with a few extra steps since our online system doesn’t accept new members with foreign addresses.

Please follow these steps to open your account on our mobile app (App Store | Google Play:

• Enter StanfordIS (Stanford International Student) in the Referred by field in the application
• Enter your Stanford University email address
• Enter Stanford University’s physical address: 450 Jane Stanford Way, Stanford, CA 94305
• Enter the following U.S. phone number so the application will accept you as a member: 650.785.1078
• Upload a copy of your Passport for identification purposes
• Select Stanford student as your eligibility

After you submit your application, please send an email to [email protected] to provide your name, correct international address, phone number and email address so we can update your membership profile with your current contact information.

Yes, we have two accounts for children under age 18:

• Youth Savings account is a free savings account designed for children age 0-17, with no minimum balance requirement
• Teen Spending account is an interest-bearing checking account designed for minors age 13-17, with no monthly fees

 Both accounts will require an adult co-signer, so the parent or guardian must also be a member. You can open a child’s account either in person at a local Stanford FCU branch or via Zoom at our Virtual Branch. You’ll need a copy of your child’s picture ID, Passport or birth certificate.