Deposit Rates
Discover our deposit rates
Deposit Rates
Rates effective April 19, 2024
View our savings and Certificate rates for businesses on our Business Deposit Rates web page!
Savings and Spending Account Rates
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| Account Description | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Share (Savings) Account | 0.10% | 0.10% |
| Companion Account* - Balances up to those in the linked Certificate - Balances > than those in the linked Certificate - Converts to a Share (Savings) Account if the linked Certificate is closed |
3.75% 0.00% 0.10% |
3.82% 0.00% 0.10% |
| Kids' Savers Account | 0.10% | 0.10% |
| Coverdell Education Savings Account (ESA) | 0.10% | 0.10% |
| Teen Spending Account - Balances up to $1,000 - Balances > $1,000 |
3.00% 0.15% |
3.04% 0.15% |
| Premier Spending Account | 0.05% | 0.05% |
| Premier Spending Account - Ambassador | 0.15% | 0.15% |
| High Yield Spending Account** - Qualified with balances up to $50,000 - Qualified with balances > $50,000 - Non-Qualified |
4.00% 0.15% 0.00% |
4.07% 0.15% 0.00% |
| Individual Retirement Account (IRA) | 0.10% | 0.10% |
| Health Savings Account (HSA) | 0.10% | 0.10% |
APY= Annual Percentage Yield. Rates are subject to change without notice. All dividends are compounded and paid monthly. Share and Spending Accounts have a variable rate.
*The Companion Savings account is linked to a Certificate. 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.
**High Yield Spending Account interest is determined on the last day of each preceding month. If all requirements are met by month-end, then the interest will be paid at the current Qualified Rates up to $50,000 and > $50,000 on the average daily balances on the last day of the following month based on the average daily balance of the account for that month. If the requirements are not met by the last day of the preceding month, then the interest will be paid at the current Non-Qualified Rate on the last day of the following month based on the average daily balance of the account for that 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.
Money Market Account Rates
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| Account Description | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Money Market Account | 1.55% | 1.56% |
| Money Market Account - Ambassador | 1.80% | 1.81% |
APY= Annual Percentage Yield. Rates are subject to change without notice. All dividends are compounded and paid monthly. Money Market Accounts have a variable rate.
Certificate and Individual Retirement Account (IRA) Certificate Rates
Premium Share Certificate Rates for Partners & Ambassadors
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| Term | Dividend Rate (Minimum $1,000) |
Annual Percentage Yield (Minimum $1,000) |
|---|---|---|
| 3 months | 2.15% | 2.17% |
| 6 months | 2.50% | 2.53% |
| 7-Month No Penalty | 4.75% | 4.85% |
| 12 months | 5.15% | 5.27% |
| 24 months | 4.50% | 4.59% |
| 36 months | 4.50% | 4.59% |
| 48 months | 4.00% | 4.07% |
| 60 months | 4.00% | 4.07% |
Share Certificate Rates
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| Term | Dividend Rate (Minimum $1,000) |
Annual Percentage Yield (Minimum $1,000) |
|---|---|---|
| 3 months | 1.40% | 1.41% |
| 6 months | 1.75% | 1.76% |
| 7-Month No Penalty | 4.00% | 4.07% |
| 12 months | 4.40% | 4.49% |
| 24 months | 3.75% | 3.82% |
| 36 months | 3.75% | 3.82% |
| 48 months | 3.25% | 3.30% |
| 60 months | 3.25% | 3.30% |
Premium IRA Share Certificate Rates for Partners & Ambassadors
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| Term | Dividend Rate (Minimum $1,000) |
Annual Percentage Yield (Minimum $1,000) |
|---|---|---|
| 12 months | 5.15% | 5.27% |
| 24 months | 4.50% | 4.59% |
| 36 months | 4.50% | 4.59% |
| 48 months | 4.00% | 4.07% |
| 60 months | 4.00% | 4.07% |
IRA Share Certificate Rates
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| Term | Dividend Rate (Minimum $1,000) |
Annual Percentage Yield (Minimum $1,000) |
|---|---|---|
| 12 months | 4.40% | 4.49% |
| 24 months | 3.75% | 3.82% |
| 36 months | 3.75% | 3.82% |
| 48 months | 3.25% | 3.30% |
| 60 months | 3.25% | 3.30% |
APY= Annual Percentage Yield. Rates are subject to change without notice. All dividends are compounded and paid monthly. 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 (7) calendar days from opening with no penalty.
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Learn MoreDeposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).
