Better Than Banks
It's true. Check the evidence.
With us, it's all about people before profits
Your success is our priority
Save more money with better rates and lower (or no) fees
Enjoy full-service offerings with a friendly, attentive approach
Do you really think big banks care about you?
While we've been helping people, here's what they've been up to:
Stanford FCU Everyday Spending
Bank of America Advantage Plus Banking®
Chase Total Checking®
Monthly fee
$0
$12
$15
Requirements to waive monthly fee
Always free
$250 direct deposit or $1,500 minimum daily balance, an account owner is a member of the Preferred Rewards program
$500 electronic deposits, $1,500 minimum daily balance, or an average beginning day balance of $5,000 or more
Fee to use other ATMs
(in addition to the ATM operator fee)
$0
$2.50 to $5.00
up to $5.00
Number of free ATMs in the U.S.
30,000
16,000
15,000
NSF Fee
$0
$10
$34
Stop Payment fee
$0
$30
$30
Temporary checks
$0
Not available
$3 for 3 checks
Cashier’s checks
$0
$15
$10
Debit card foreign transaction fee
$0
3% of the U.S. dollar amount of the transaction
3% of purchase or ATM cash withdrawal amount
Incoming wire fee
$0
$15
$15
Outgoing wire fee
$20
$45
up to $50
Stanford FCU Certificate
Bank of America Certificate
Chase Certificate
12-month, $10,000 certificate
3.85% APY
0.03% APY
1.50% APY
Early withdrawal penalty
(on the amount withdrawn)
< 1 year = 90 days' interest;
1 year or more = 180 days' interest
1 year or more = 180 days' interest
< 90 days = The greater of all interest earned or 7 days' interest;
90 days up to 12 months = 90 days' interest;
12 months up to 60 months = 180 days' interest;
60 months + = 365 days' interest
90 days up to 12 months = 90 days' interest;
12 months up to 60 months = 180 days' interest;
60 months + = 365 days' interest
< 6 months = 90 days' interest;
6 to < 24 months = 180 days' interest;
24 months + = 365 days' interest
6 to < 24 months = 180 days' interest;
24 months + = 365 days' interest
Stanford FCU Tech Credit Card
Bank of America Customized Cash Rewards Credit Card
Chase Freedom Unlimited® Credit Card
Cashback rewards
3X points on purchases at Amazon, Google, and Apple, 2x points on groceries & dining, 1x points on everything else (plus another 2% for Ambassadors!)
3% cashback + 3% first-year cash back on the category of your choice, 2% on groceries and wholesale clubs, 1% on everything else
3% on dining and drug stores, 5% on travel purchased through Travel Chase, 1.5% on everything else
Purchase & balance transfer rate
13.49% to 18.00% APR
17.49% to 27.49% APR
18.24% to 27.74% APR
Cash advance rate
13.49% to 18.00% APR
20.49% to 29.24% APR
28.49% APR
Balance transfer fee
0%
3%
$5 or 3% to 5%, whichever is greater
Cash advance fee
0%
5%
$10 or 5%, whichever is greater
Foreign transaction fee
0%
3 - 5%
3%
Late payment fee
Up to $7
Up to $41
Up to $40
