¹ Open a Stanford FCU Everyday or High Yield Spending account beginning 2/20/25, activate the Cashback+ offers in Digital Banking, then complete each task within your new member period to earn the assigned reward in your choice of cash or gift cards. Tasks and rewards are subject to change without notice. Offer is not available to existing members and will be limited to one reward per task per household. The rewards will be credited to your Cashback+ wallet within 35 days from satisfaction of the requirements. The 3-month new member period begins on the first day of the month following your account open date.

Offer does not apply to second or multiple spending accounts and/or existing members with spending accounts, and will be limited to one bonus per household. The spending account must remain open a minimum of three months. Any taxes due on the bonus deposit are the sole responsibility of the recipient. Stanford FCU will report the bonus deposits to the appropriate state and federal agencies, as required by applicable law. This offer is not valid with any other Stanford FCU promotional offer, and is subject to change without notice. Membership eligibility required.

² Discounts for purchase and refinance loans include a $675 loan processing fee rebated after funding, plus a credit for loan closing costs that is applied after funding ($525 for purchase loans or $325 for refinance loans). Discounts do not apply to refinancing an existing Stanford FCU mortgage. Checking with $2,500 minimum direct deposit is required to receive the discounts. Offer expires 12/31/25.

³ Emergency Loans of $500 to $2,000 have terms up to 24 months and a 17.00% APR. Funds are provided the same or next business day into a Stanford FCU account. There are no fees, but a late payment fee may apply. You must be employed full or part-time at one of our partner companies for at least 6 months (interns, temps and contract employees do not qualify). Only one Emergency Loan at a time. Credit will be pulled for the sole purpose of confirming there is no bankruptcy, and the loan status will be reported to credit bureaus. Payment Example: A $2,000 24-month Emergency Loan at 17.00% APR would result in monthly payments of $98.88.

Offers, rates and terms are subject to change without notice. All loans are subject to credit approval and membership eligibility.