Dedicated to Deposits: Deals, Data, and Discussion
Stanford Federal Credit Union1.11%$100k-36 Month CD
Stanford Federal Credit Union1.11%$100k-36 Month IRA (Traditional,CESA,Roth)
Stanford Federal Credit Union0.90%$100k-24 Month CD
Stanford Federal Credit Union0.90%$100k-24 Month IRA (Traditional,CESA,Roth)
Stanford Federal Credit Union0.75%$100k-18 Month CD
Stanford Federal Credit Union0.75%$100k-18 Month IRA (Traditional,CESA,Roth)
Accounts mentioned in this post. Rates as of August 28, 2014

Top 24-Month CD Rates and HSA Rates at Stanford FCU in CA - Easy Membership


Stanford Federal Credit Union

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 minimum. Other competitive ones include an 18-month CD with a top rate of 1.92% APY and a 3-year CD with a top rate of 2.48% APY. IRA CD rates are even higher with top 24-month CD rate of 2.84% APY. These rates are listed in the credit union's rates page as of 8/10/2010.

There's also a nice step-up 25-month CD. The main feature the credit union highlights is the step-up feature which gives you one opportunity to step-up to a currently higher rate. However, the best feature in my opinion is the add-on feature. Additional deposits may be made at anytime prior to maturity. Add-on CDs are a great account to have to help protect against an extended low interest rate environment.

You do have to give up some interest by choosing this 25-month step-up CD over the regular 24-month CD, but the rates are still quite competitive for a 2-year term. The 25-month CD rates range from 1.92% APY for a $1K minimum to 2.12% APY for a $100K minimum. These rates are listed in the credit union's rates page as of 8/10/2010.

Another good deal is the credit union's Health Savings Account (HSA). The rate is 3.04% APY (as listed in the deposit rates page as of 8/10/2010). Unfortunately, this rate has gone down quite a bit since my last post on Stanford FCU in May when the rate was 4.86% APY.

According to the credit union's membership page:

Not a part of the Stanford community, not a problem. By joining the Museum of American Heritage (MOAH) or Friends of Palo Alto Libraries (FOPAL) you will become eligible to become a member of Stanford Federal Credit Union

Credit union membership requires a minimum $50 balance in an account

Branches are located in Stanford and Palo Alto, California. The credit union is also a member of CU Service Centers which allows you to perform many transactions at branches of other credit unions which are part of the network.

The credit union's ratings for safety and soundness are above average: 4 stars (excellent) at BauerFinancial, 3 stars (performing) at and an overall health score of 4 out of 5 at (see our Stanford FCU rates and reviews page). The credit union is federally insured by the NCUA (Charter # 13392).

Note, Stanford Federal Credit Union has no affiliation with Stanford International Bank that was accused of a fraud by the SEC on February 2009.

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  Tags: CD rates, IRA rates, California, Stanford Federal Credit Union

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Comment #1 by Anonymous posted on
I bank at Stanford credit union. They also have a money market and checking accounts which are good too. The staff is nice.

Comment #2 by Anonymous posted on
I wonder what is meant by "like certificates" in the fine print about the rate step up.  If you elect a step up 13 months in, would you get the current rate on a 12 month certificate, on a 25 month step up certificate?

Comment #3 by Sylvia (anonymous) posted on
I joined a month ago and have found their communications to be very reactive.  Following was my experience:

8/18 - I applied online for membership and 25 mth step-up CD.  In the process, I gave outside account info for funding purposes.

8/19 - By email, SFCU requested proof of eligibility (I had specified "other," as directed, for family member), copy of driver's license and utility bill.

8/19 - I fulfilled requirements by fax.

8/24 - I called to follow up on membership/account status.  Rep told me I'd hear back by end of day.

8/25 - Not hearing anything, I followed up by email.

8/25 - SFCU made hard credit pull through Experian.

8/25 - SFCU confirmed my membership by email.

8/26 - With no evidence of CD in my account records online, I inquired about that by email.

8/26 - Funds withdrawn by ACH from outside account.

8/31 - Funds posted to my SFCU savings account.

9/1 - I followed up on CD by email.

9/1 - CD opened.  SFCU rep confirmed by email.

9/1 - By email, I inquired about interest rate, CD documentation and process for making additional deposits.

9/2 - SFCU rep called with answer to interest rate question.  Said she'd get back to me on other questions.  I've yet to hear.

Comment #4 by J Honse (anonymous) posted on
J Honse
Stay away from Stanford Credit Union.  You have to jump through hoops to join then they do a bait and switch with their rates after offering a teaser rate to get you in the door.  Their HSA rate was 4.85% then 2 months later 1.5%, go figure.  Then they have the audacity to not pay for the partial month of interest when you want to bail mid-month.  They let their account holders know of the rate decreases a week after the fact.  I'm feeling robbed.  Many better options, like HSA Bank.