Average User Rating:
1 star rating based on 1 review.

Stanford Federal Credit Union

1860 Embarcadero Road
Palo Alto, CA 94303
888-723-7328
www.sfcu.org

NCUA

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Stanford Federal Credit Union is headquartered in Palo Alto and is the 20^th largest credit union in the state of California. It is also the 114^st largest credit union in the nation. It was established in 1959 and as of December of 2012, it had grown to 129 employees and 49,447 members. Stanford Federal Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

Stanford Federal Credit Union Routing Number: 321177722

Top Long-Term CD Rates at Stanford FCU in CA - Easy Membership - 10/24/2012

Stanford Federal Credit Union has competitive rates on its 4-year and 5-year certificates. There's one important catch, however. These are the "Premium Certificate Rates" which require that the member ...

$50/$50 Refer-A-Friend Checking Bonus At Stanford FCU - Easy Membership (Forum) - 10/23/2012

A $50 refer-a-friend bonus for both the referring member and the referee is better than the average refer-a-friend bonus. One downside is that it requires the referee to open a checking account with direct deposit. Here's the Stanford Federal Credit Unio

Stanford Federal Credit Union's Beat the Rate Program for CDs - 1/10/2012

Some credit unions and banks have a rates match program in which they will match or exceed the rate of the same product at other banks or credit unions. Stanford Federal Credit Union is one of the ins ...

Top 24-Month CD Rates and HSA Rates at Stanford FCU in CA - Easy Membership - 8/10/2010

Stanford Federal Credit Union continues to offer a few competitive CD and IRA CD rates. The best is the 2-year CD with yields that range from 2.22% APY for a $1K minimum to 2.43% APY for a $100K minim ...

2010

8/1 - Stanford Federal Credit Union HSA Now 3.04% APR, Second Drop In Two Months (Forum)
7/1 - Stanford Federal Credit Union HSA Rate Drops To 3.75 (Forum)
5/22 - Competitive CD & IRA CD Rates at Stanford FCU in CA - Easy Membership

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See Rates for: Checking | Savings | Money Market | CD | IRA

Stanford Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Premier Checking

Stanford Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
1.51%	$500	-	Premier Health Savings Account
0.20%	$50	-	Share Savings Account
0.20%	-	-	Stanford Savers Account
0.20%	$50	-	Holiday Account
0.20%	-	-	IRA Share
0.20%	-	-	Health Savings Account
0.20%	-	-	Roth IRA Share
0.20%	-	-	CESA Share

Stanford Federal Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$50k	$2,500k	Premier Market Savings Account
0.30%	$50k	-	Money Management Account

Stanford Federal Credit Union CD Rates

Apy	Min	Max	Product
2.02%	$100k	-	60 Month Premium CD
1.51%	$100k	-	48 Month Premium CD
1.41%	$100k	-	60 Month CD
1.21%	$100k	-	36 Month Premium CD
1.00%	$100k	-	48 Month CD
1.00%	$100k	-	24 Month Premium CD
0.85%	$100k	-	36 Month CD
0.85%	$100k	-	18 Month Premium CD
0.75%	$100k	-	12 Month Premium CD
0.65%	$100k	-	24 Month CD
0.50%	$100k	-	18 Month CD
0.50%	$100k	-	6 Month Premium CD
0.45%	$100k	-	12 Month CD
0.45%	$100k	-	3 Month Premium CD
0.25%	$100k	-	3 Month CD
0.25%	$100k	-	6 Month CD
0.15%	$10k	-	7 Month Liquid Share CD

Stanford Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.21%	$100k	-	36 Month Premium CESA
1.21%	$100k	-	36 Month Premium IRA
1.21%	$100k	-	36 Month Premium Roth IRA
1.00%	$100k	-	24 Month Premium CESA
1.00%	$100k	-	24 Month Premium IRA
1.00%	$100k	-	24 Month Premium Roth IRA
0.85%	$100k	-	36 Month IRA
0.85%	$100k	-	36 Month CESA
0.85%	$100k	-	36 Month Roth IRA
0.85%	$100k	-	18 Month Premium CESA
0.85%	$100k	-	18 Month Premium IRA
0.85%	$100k	-	18 Month Premium Roth IRA
0.75%	$100k	-	12 Month Premium CESA
0.75%	$100k	-	12 Month Premium IRA
0.75%	$100k	-	12 Month Premium Roth IRA
0.65%	$100k	-	24 Month IRA
0.65%	$100k	-	24 Month CESA
0.65%	$100k	-	24 Month Roth IRA
0.50%	$100k	-	18 Month IRA
0.50%	$100k	-	18 Month CESA
0.50%	$100k	-	18 Month Roth IRA
0.45%	$100k	-	12 Month IRA
0.45%	$100k	-	12 Month CESA
0.45%	$100k	-	12 Month Roth IRA

Rates updated: 5/17/2013

Data for Q4 2012

Institution Statistics

STANFORD
NCUA #	13392
BankRate Report	View
Year Chartered	1959
Employees	129
Primary Regulator
Assets and Liabilities
Assets	$1.50 billion
Loans	$799.02 million
Deposits	$1.32 billion
Equity Capital	$131.23 million
Loan Loss Allowance	$7.05 million
Unbacked Noncurrent Loans	$9.35 million
Real Estate Owned	$2.95 million
Historic Data - December 2011
Assets	$1.37 billion
Equity Capital	$112.44 million
Loan Loss Allowance	$8.71 million
Unbacked Noncurrent Loans	$10.87 million
Real Estate Owned	$173,000
Profit Margin - Quarterly
Net Interest Margin	3.41%
Return on Assets	1%
Return on Equity	11.4%
Interest Income	$42.72 million
Non-Interest Income	$10.17 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Stanford Federal Credit Union had $12.3 million in non-current loans and owned real-estate with $138.28 million in equity and loan loss allowances on hand to cover it. This gives Stanford Federal Credit Union a Texas Ratio of 8.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Stanford Federal Credit Union held steady from 9.11% as of December 31, 2011 to 8.89% as of December 31, 2012, resulting in a positive change of 2.42%.This indicates that the balance sheet and financial strength for Stanford Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Stanford Federal Credit Union has increased its total deposits by $94.94 million, resulting in 7.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Stanford Federal Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Stanford Federal Credit Union has $1.5 billion in assets with $138.28 million in equity, resulting in a capitalization level of 9.21%, which is average.

Poor Customer Service, Harsh Early Withdrawal Penalty
1 stars

- Lookin - Wednesday, August 29, 2012 - 2:12 AM

You'd think a credit union located on campus at Stanford would be great. But no. Calls go into voicemail, email contacts are generic addresses and you can never seem to get the same person twice. Staff is frumpy and don't seem to care. If their app fails, they just shrug it off - try it tomorrow. Early withdrawal penalty for CDs over $100K is 365 days interest - worst I've seen. A good CD jumbo rate of 2.1% if your paycheck is deposited there (as of summer 2012). Campus office is rather busy, so Stanford students and staff are using this credit union, but I don't know why.