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888-723-7328
1860 Embarcadero Road
Palo Alto, CA 94303

Stanford Federal Credit Union is headquartered in Palo Alto and is the 20th largest credit union in the state of California. It is also the 113st largest credit union in the nation. It was established in 1959 and as of December of 2013, it had grown to 137 employees and 48,498 members. Stanford Federal Credit Union's savings rates are 3X the national average, and it has a A health rating.

Field of Membership Restrictions

In addition to the Stanford Community, our Field of Membership extends to the following: Members, employees and volunteers of the Palo Alto Chamber of Commerce Employees of the companies that are members of the Palo Alto Chamber of Commerce Members, employees and volunteers of the Friends of Palo Alto Libraries (FOPAL) Members, employees and volunteers of the Museum of American Heritage (MOAH) Organizations that are located on Stanford lands (including Research Park and the Stanford Shopping Center), as long as the company has signed a simple, no-cost sponsorship agreement with us. - See Details

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Reviews (1)

Poor Customer Service, Harsh Early Withdrawal Penalty

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.



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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, 2013 Stanford Federal Credit Union had $5.38 million in non-current loans and owned real-estate with $146.46 million in equity and loan loss allowances on hand to cover it. This gives Stanford Federal Credit Union a Texas Ratio of 3.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Stanford Federal Credit Union decreased dramatically from 8.89% as of December 31, 2012 to 3.67% as of December 31, 2013, resulting in a positive change of 58.72%.This indicates that the balance sheet and financial strength for Stanford Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Stanford Federal Credit Union has increased its total deposits by $53.75 million, resulting in 4.06% 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

GRADE:
C+

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 $1.59 billion in assets with $146.46 million in equity, resulting in a capitalization level of 9.24%, which is average.

Institution Statistics

Overall
NCUA #13392
Year Chartered1959
Employees137
Primary Regulator
Assets and Liabilities
Assets$1.59 billion
Loans$891.34 million
Deposits$1.38 billion
Equity Capital$138.70 million
Loan Loss Allowance$7.77 million
Unbacked Noncurrent Loans$4.21 million
Real Estate Owned$1.16 million
Historic Data - December 2012
Assets$1.50 billion
Equity Capital$131.23 million
Loan Loss Allowance$7.05 million
Unbacked Noncurrent Loans$4.21 million
Real Estate Owned$2.95 million
Profit Margin - Quarterly
Net Interest Margin3.47%
Return on Assets0.97%
Return on Equity11.1%
Interest Income$44.26 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Stanford Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Stanford Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.45%$50k$2,500kPremier Market Savings Account - Ambassador Relationship
0.40%$50k$2,500kPremier Market Savings Account
0.40%$50k$2,500kPremier Market Savings Account - Partner Relationship
0.35%$50k-Money Management Account - Ambassador Relationship
0.30%$50k-Money Management Account
0.30%$50k-Money Management Account - Partner Relationship

Stanford Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Premier Checking - Ambassador Relationship
0.10%--Premier Checking
0.10%--Premier Checking - Partner Relationship

Stanford Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.27%$100k-60 Month Premium CD - Partner Relationship
2.27%$100k-60 Month Premium CD - Ambassador Relationship
2.02%$100k-60 Month CD
1.76%$100k-48 Month Premium CD - Partner Relationship
1.76%$100k-48 Month Premium CD - Ambassador Relationship
1.51%$100k-48 Month CD
1.36%$100k-36 Month Premium CD - Partner Relationship
1.36%$100k-36 Month Premium CD - Ambassador Relationship
1.16%$100k-24 Month Premium CD - Partner Relationship
1.16%$100k-24 Month Premium CD - Ambassador Relationship
1.11%$100k-36 Month CD
1.00%$100k-18 Month Premium CD - Partner Relationship
1.00%$100k-18 Month Premium CD - Ambassador Relationship
0.95%$100k-12 Month Premium CD - Partner Relationship
0.95%$100k-12 Month Premium CD - Ambassador Relationship
0.90%$100k-24 Month CD
0.75%$100k-18 Month CD
0.70%$100k-12 Month CD
0.65%$100k-6 Month Premium CD - Partner Relationship
0.65%$100k-6 Month Premium CD - Ambassador Relationship
0.50%$100k-3 Month Premium CD - Partner Relationship
0.50%$100k-3 Month Premium CD - Ambassador Relationship
0.40%$100k-6 Month CD
0.25%$100k-3 Month CD
0.15%$10k-7 Month Liquid Share CD

Stanford Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.27%$100k-60 Month Premium IRA - Partner Relationship (Traditional,Roth,CESA)
2.27%$100k-60 Month Premium IRA - Ambassador Relationship (Traditional,Roth,CESA)
2.02%$100k-60 Month IRA (Traditional,Roth,CESA)
1.76%$100k-48 Month Premium IRA - Partner Relationship (Traditional,Roth,CESA)
1.76%$100k-48 Month Premium IRA - Ambassador Relationship (Traditional,Roth,CESA)
1.51%$100k-48 Month IRA (Traditional,Roth,CESA)
1.36%$100k-36 Month Premium IRA - Partner Relationship (Traditional,CESA,Roth)
1.36%$100k-36 Month Premium IRA - Ambassador Relationship (Traditional,CESA,Roth)
1.16%$100k-24 Month Premium IRA - Partner Relationship (Traditional,CESA,Roth)
1.16%$100k-24 Month Premium IRA - Ambassador Relationship (Traditional,CESA,Roth)
1.11%$100k-36 Month IRA (Traditional,CESA,Roth)
1.00%$100k-18 Month Premium IRA - Partner Relationship (Traditional,CESA,Roth)
1.00%$100k-18 Month Premium IRA - Ambassador Relationship (Traditional,CESA,Roth)
0.95%$100k-12 Month Premium IRA - Partner Relationship (Traditional,CESA,Roth)
0.95%$100k-12 Month Premium IRA - Ambassador Relationship (Traditional,CESA,Roth)
0.90%$100k-24 Month IRA (Traditional,CESA,Roth)
0.75%$100k-18 Month IRA (Traditional,CESA,Roth)
0.70%$100k-12 Month IRA (Traditional,CESA,Roth)
Locations


Stanford Federal Credit Union Locations
Branch Office1860 Embarcadero RdPalo Alto, CA 94303-3335
Branch Office525 University AvePalo Alto, CA 94301
Branch Office300 Pasteur Dr Stanford, Room HH013Stanford, CA 94305
Branch Office694 Pampas LnStanford, CA 94305
Branch Office459 Lagunita DrStanford, CA 94305