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Frequently asked questions
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!
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!
Individual Retirement Accounts (IRAs) are an important part of planning for your future financial well-being. These specialty savings accounts offer tax advantages, and there are two primary categories of IRAs: Traditional and Roth.
- Traditional IRAs allow tax-deductible contributions - taxes are not paid on your deposits until you begin making withdrawals, so the investments grow tax-deferred.
- Contributions to Roth IRAs are not tax-deductible, so they are tax-free when you start making withdrawals because you’ve already paid the taxes.
You should discuss your specific situation with a tax expert to ensure that you choose the right plan for your needs.
Choose an IRA that’s right for you!
Your retirement is secure with Stanford FCU! Choose a Traditional or Roth IRA as a savings account or a Certificate.
Our Member Advisors can help you choose the account that’s right for you. Schedule an appointment at a local branch to discuss your options and open your account, or call 888.723.7328 to speak with a Member Care Team Specialist.
Learn more or open an IRA at our Retirement Central resource center.
Looking for more options? Visit our Wealth Management website to learn more about retirement planning and schedule a free consultation with a Financial Advisor.
Yes! A Health Savings Account (HSA) with Stanford FCU helps you cover expenses not covered by your health insurance. HSAs combine the protection of your high-deductible health insurance plan with a tax-deductible savings account. Our HSA accounts feature no monthly service fees, no minimum balance requirements, free checks, and free online and debit card access− all at great rates!
Set up an appointment with a member of our team for more information, or open your HSA online today.
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!
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.
Your retirement is secure with Stanford FCU! You can choose a Traditional or Roth IRA as a savings account or a Certificate.
Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration.
Our Member Advisors can help you choose the account that’s right for you. Schedule an appointment at a local branch to discuss your options and open your account, or call 888.723.7328 to speak with the Member Care Team.
Learn more or open an IRA at our Retirement Central resource center.
Looking for more options? Visit our Wealth Management section to learn more about retirement planning and schedule a free consultation with a Financial Advisor.
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.
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.
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1Credit up to $675 is deposited into the member’s checking or savings account upon funding of a first mortgage and qualification for a Loyalty+ Ambassador relationship.
2APY= Annual Percentage Yield. Rates are subject to change without notice. Membership eligibility is required. Minimum opening deposit is $100 of new money with no maximum. Dividends are compounded and paid monthly. Once a Certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply and may reduce earnings. The 12-Month Certificate rate shown include a .50 bonus for active and engaged members through our Loyalty+ program. Additional rate bonuses are not available for the 12-Month Business Certificate.
3APR=Annual Percentage Rate. All loans subject to credit approval and membership eligibility. Vehicles must be purchased from a franchise dealer in the state you live in. Refinances are limited to CA residents. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. Rates shown are for our highest credit tier plus an Ambassador Loyalty+ bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates. Payment Example: A 60-month Auto Loan at 4.99% APR would result in monthly payments of $18.87 for each $1,000 borrowed.