Deposit Rates

APY= Annual Percentage Yield. Rates are subject to change without notice. All dividends are compounded and paid monthly. Share, Spending, and Money Market Accounts have a variable rate.

¹ The Companion Savings account is linked to a Certificate and the account must be funded with new money from another financial institution. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Once a Certificate is opened, the rate remains fixed through maturity and early withdrawal penalties apply and may reduce earnings. 

² A Student Spending account is required to open a Student High Yield Savings account which will convert to a regular Savings account when the Student Spending account converts or closes. Limit one Student High Yield Savings account per primary member.

³ High Yield Spending Account interest is determined on the first day of the month based on the transactions for each preceding month. If all requirements are met by the last day of the preceding month, then the interest will be earned from the 2nd of the month at the current Qualified Rates up to the balance disclosed on the Deposit Rate Sheet and subject to change without notice. Interest will be paid on the last day of the month based on the average daily balance of the account for the month. If the requirements are not met by the last day of the preceding month, then the interest will be earned at the current Non-Qualified Rate from the 2nd of the month and paid on the last day of the month based on the average daily balance of the account for the month. Limit one High Yield Spending Account per primary member. Monthly Requirements to earn the Qualified Rate: (a) receive at least $5,000 in combined payroll direct deposits in the member’s Stanford FCU accounts, and (b) spend a minimum $1,000 on the member’s combined Stanford FCU debit and credit cards with the same primary account owner as the High Yield Spending Account. Payroll direct deposit is defined as recurring ACH payments from your employer or the Social Security Administration. Other deposits such as checks, transfers, Venmo, Zelle^® and PayPal do not qualify. Deposits and purchases must post by the last day of each month to qualify. Grace period: During the first two months of opening a new High Yield Spending Account the interest will be earned at the current Qualified Rate, and the account requirements at the end of the second month will be used to determine the rate paid on balances in the third month. Existing spending accounts that convert to a High Yield Spending Account will not have a grace period.

⁴ Once a Certificate is opened, the rate remains fixed through maturity. A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than one year may have a penalty equal to 90 days of dividends on the amount withdrawn. The penalty for Certificates of one year or more will be equal to one hundred eighty (180) days of dividends. A 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty.

*8-Month and 22-Month Certificates: To secure the promotional rate on the 8-Month and 22-Month Certificates, you must apply between 5/18/26 and 6/21/26. Minimum opening deposit is $100 of new money with no maximum. Additional rate bonuses are not available for this Certificate. A checking or savings account is required with Stanford FCU to open a Certificate. New money required. New money is money that is not currently in a checking account, savings account or Certificate with Stanford FCU. At maturity, the 8-Month Certificate automatically renews at a 12-month term and the 22-Month Certificate automatically renews at a 24-month term, at the rate in effect on the maturity date. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later.