FAQs

You can find a Stanford FCU ATM, and 30,000 more fee-free ATMs by visiting our ATM and Branch Locator.

If you have a debit card, you can also receive cash back at no charge when you make a purchase at a retail location.

For your convenience, we also participate in shared branching with Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Stanford FCU accounts at other credit unions throughout the country as though you were at your local branch.

For a list of shared branch locations, visit our ATM and Branch Locator.

In addition to STAR^® and Plus, we also use Co-op, with over 30,000 fee-free ATMs nationwide. You can get cash back when you make a purchase at many retailers like grocery stores.

We also participate in shared branching with Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Stanford FCU accounts at other credit unions throughout the country as though you were at your local branch (some service limitations may apply).

For a list of shared branch locations, visit our ATM and Branch Locator.

Stanford FCU charges a monthly $5.00 inactivity fee for an account with less than $2,500 and no activity for the past 12 months. For current information about our fees, please see our Schedule of Fees.

The inactivity fee was disclosed in the Member Agreement you received at the time you opened your account. If you have other active accounts or loans, you will not be charged this fee.

Avoid Inactivity Fees

You can avoid the fee by making at least one transaction every six months, or opening other active accounts such as:

• New and used auto loans – consider refinancing an existing loan to lower your monthly payment
• Rewards Credit Cards with no foreign transaction fees, balance transfer fees, or annual fee (and you’ll earn rewards on every purchase)
• Home loans you can trust, with great rates and personal service
• High-rate Money Market and Certificates help you earn more
• Investment products to help your savings grow

Stanford FCU does not charge our members to use non-Stanford FCU ATMs, however the owner of the other ATM may charge a fee. We waive those bank fees for members with Student Spending Accounts, and those with an Ambassador or Partner Loyalty+ relationship (and provide other benefits!). All members can find over 30,000 fee-free ATMs by using our ATM and Branch Locator.

There are no fees for replacing a lost or stolen card.

You can view our current ATM and Debit Card fee(s) on our Schedule of Fees. All fees are subject to change without notice.

If you are a member of Stanford FCU, then all Stanford FCU ATMs are free! If you are a member of the Co-op Shared Branch Network, then our ATMs are free for you as well.

Stanford FCU members with Student Spending accounts and members with an Ambassador relationship get free unlimited worldwide ATMs, with all ATM fees reversed.

All Stanford FCU members have access to 30,000 fee-free ATMs nationwide. Use our ATM Locator to find one near you.

If you use your debit card, you can also receive cash back at no charge when you make a purchase at a retail location.

If you are a non-member you will be charged $3.00 per transaction (unless you are a member through Co-op). The only time our members will be assessed an ATM fee is when you withdraw cash from an ATM that is not in our network (the fee will be charged by the other bank, not Stanford FCU).

Please refer to our Schedule of Fees for a complete list of fees.

You can get a free Cashier’s Check from a local Stanford FCU branch, any shared branch in the U.S., or request one through Digital Banking (if the check will be payable to you). You’ll receive an email confirmation after your request is received, and you should receive your check within 7 to 10 business days.

If you need a Cashier’s Check made payable to another person, you can use Chat or send a secure Message through Digital Banking.

The maximum daily ATM withdrawal is $500. If you need to withdraw more, please call us at 888.723.7328 or visit a branch.

Out of town? No problem!

For your convenience, we participate in shared branching with Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Stanford FCU accounts at other credit unions and ATMs throughout the country as if you were at your local branch (with some service restrictions).

For a list of participating shared branch locations, please visit our ATM and Branch Locator.

Yes! To find a deposit-taking ATM near you, please use our ATM and Branch Locator. You will find a list of our branches and thousands of fee-free and deposit-taking ATMs throughout the country.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Funds from deposits (cash or checks) made at ATMs that we do not own or operate may not be available until the fifth business day after the day of the deposit. If the deposit is made at a non-Stanford FCU ATM, we may also extend the hold depending on the type of check deposited.

You can also make deposits electronically using mobile deposit within our mobile app. Just download the Stanford FCU mobile app from the App Store or Google Play, then follow the prompts to enroll.

You’ll need to contact us by calling 888.723.7328, using Chat during business hours, or sending us a secure Message through Digital Banking.

Haven’t signed up for Digital Banking yet?

You can view your account history, transfer funds between your accounts, make a loan payment, access Bill Pay and eStatements…and more!

Sign up for Digital Banking today to handle all your personal banking in one convenient and secure place.

You can close a checking (spending), savings or money market account in Digital Banking and direct us on what to do with the remaining account balance: Either transfer the balance to another Stanford FCU account where you’re the primary or joint owner, or have a Cashier’s Check mailed to you. Click here to close an account in Digital Banking.

You may close a Certificate on the maturity date or during the 7-day grace period that follows it.

Alternatively, you may close your account by calling 888.723.7328, sending a secure Message in Digital Banking, or visiting a local Stanford FCU branch.

Before you close your Stanford FCU account, please note that you’re a member for life, and we have hundreds of members doing business with us around the world! Our Visa debit and credit cards are international, with no foreign transaction fees. Let us know how we can serve you!

If you absolutely must close your account (and we hate to see you go), there are three options:

1. Close your account in Digital Banking
2. Sign a written request and mail it to Stanford FCU, c/o Account Closure, P.O. Box 10690, Palo Alto, CA 94303-0843
3. Visit a local Stanford FCU branch

Members also have access to 6,000 Co-op shared branches at other credit unions, where you can conduct transactions on your Stanford FCU accounts.

Please contact our Member Care Team to dispute a transaction(s) for your business account. You can call us at 888.723.7328, use Chat or schedule a virtual appointment.

Rates may change frequently, but they are always updated on our website. View our current Savings, Money Market and Certificate rates online 24/7.

 Find the deposit account that’s right for you

Stanford FCU offers a variety of convenient savings account options to suit the unique banking needs of each individual or family. Learn more about our savings accounts by selecting one of the links below!

• Share (Savings) Accounts
• Companion Account
• Money Market Account
• Share Certificates
• Individual Retirement Account
• Health Savings Account
• Youth Savings Account

Current members can open a savings account through Digital Banking. Non-members can open an account online.

Rates may change frequently, but they’re always updated on our website. View our current Certificate rates online 24/7.

You can learn more about our Certificates, Money Market, and other savings accounts online, too!

Current members can open new accounts through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes.

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

To open a Certificate or CD, you must be a current member of Stanford Federal Credit Union. If you are a member, click here to open a new account.

If you are a current member and have not registered for Digital Banking, you can enroll here. 

If you are not yet a member and would like to open a Certificate, please first open a checking (spending) or savings account to become a member.

Once your Certificate matures you have a seven (7) calendar day grace period following maturity to renew or make changes. Your Certificate will automatically renew for the same term, or you can choose a different term or close the Certificate directly in Digital Banking. You can close or renew a 7-Month No Penalty Certificate any time after the first 7 days from opening.

If you don’t make any changes through the portal or by contacting us, your Certificate will automatically renew for the same term on the last day of the maturity grace period with the rate that is in effect on that day. You can view current rates at sfcu.org/why-stanford-fcu/market-leading-rates/deposit-rates.

To close or renew a Certificate click here.

Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA), a U.S. government agency similar to the FDIC.

The NCUA calculator can explain more and help to determine your coverage amount.

Learn More! View our deposit account options and rates.

Visit our Wealth Management website to learn more about investments and choose a Financial Advisor!

Yes, our Money Market Account (MMA) lets you enjoy the same high rate whether you’re a small saver or a big depositor. This is one of the many ways your credit union gives back to members. Other financial institutions pay higher dividends for higher balances, but we want every saver to earn more. Learn more.

We also have MMAs for businesses! Check out our business accounts here.

The penalty for Certificates with terms less than one year is equal to ninety (90) days of dividends on the amount withdrawn, whether earned or not.

The penalty for a Certificate with a term of one year or more is equal to one hundred eighty (180) days of dividends on the amount withdrawn, whether earned or not.

A 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty.

The penalty may be deducted from either dividends or principal.

Certificates are non-negotiable and non-transferable. You’ll receive advance notice of the maturing Certificate 30 days before the maturity date. The Certificate will automatically renew on the maturity date for the same term unless you notify us that you wish to make a change or if your Certificate had a special promotional term. The Interest Rate and Annual Percentage Yield on the renewed Certificate will be the rate that is in effect for that term. A grace period for withdrawal or transfer is available for seven (7) days after the maturity date. Thereafter, withdrawals of the principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the new maturity date.

Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration.

You can transfer funds between your Stanford FCU accounts, to another Stanford FCU member (if you know the account number), or to and from your accounts at another financial institution. If you want to send money to someone who is not a Stanford FCU member, you can use Zelle^® or send a Wire Transfer.

• Click here to transfer funds between your Stanford FCU accounts 
• Click here to transfer funds to another member
• Click here to transfer funds to and from your accounts at another financial institution
  •  From there you can connect your external account instantly through Plaid
  •  Once the external account is established, it will always appear under the normal Transfer Funds service as an option to transfer to or from