Search menu toggle Loan Rates Loan Rate Information All loans subject to credit approval. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate. Auto & Recreational Vehicles Account Description Maximum Term Annual Percentage Rate As Low As* New & Used Auto (see additional details and disclosures below) 0 to 60 Months 61 to 84 Months 1.74% APR 2.24% APR Classic Auto 0 to 36 Months 3.74% APR New & Used RV 0 to 60 Months 61 to 84 Months 85 to 144 Months 3.74% APR 4.24% APR 6.24% APR New & Used Motorcycle 0 to 60 Months 61 to 72 Months 3.74% APR 4.24% APR New & Used Boat 0 to 60 Months 61 to 84 Months 85 to 144 Months 3.74% APR 4.24% APR 6.24% APR View Disclosures Effective 10/19/2021 Personal Loan & Lines of Credit Account Description Maximum Term Annual Percentage Rate As Low As* Personal Line of Credit Revolving 8.24% APR* Personal Loan 60 Months 6.24% APR** Share Secured Loan Call 888.723.7328 for loan rates on your share account Certificate Secured Loan Call 888.723.7328 for loan rates on your certificate View Disclosures Effective 10/19/2021 Visa Application and Solicitation Disclosure Interest Rate and Interest Charges Annual Percentage Rate (APR) for Purchases Platinum Cash Back Visa 8.99% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Student Platinum Cash Back Visa 5.00% fixed rate for the first sixty months. 8.99% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Secured Visa 17.99% Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa 9.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers Platinum Cash Back Visa 1.99% Introductory APR for six months from account opening. After that, your APR will be 8.99% to 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Student Platinum Cash Back Visa 5.00% fixed rate for the first sixty months. 8.99% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Secured Visa 17.99% Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa 1.99% Introductory APR for six months from account opening. After that, your APR will be 9.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances Platinum Cash Back Visa 8.99% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Student Platinum Cash Back Visa 5.00% fixed rate for the first sixty months. 8.99% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Secured Visa 17.99% Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa 9.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date. This excludes our Classic Secured Visa. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore For full disclosures, visit sfcu.org/visa-agreement-disclosure-statement. Home Equity Loan Rates Home Equity Loan Interest Rate APR 240 Monthly Payments 20 Yr Fixed Second Mortgage 5.000% 5.610% $1,650 HELOC 3.250% 3.250% $677 View Disclosures Effective 10/19/2021 Mortgage Rates View Mortgage Rates Facebook Twitter Linkedin Instagram Yelp Routing Number 321177722 Company Personal Banking Business Banking Wealth Management About Us Contact Us Careers Self-Service Open an Account Apply for a Loan Apply for a Real Estate Loan Tax Forms Online & Mobile Banking Wire Transfers Wise Resources Deposit Rates Loan Rates Mortgage Rates Service Fees Seminars and Events Financial Calculators Financial Education Financial Tips Visit a Branch ATM & Branch Locator 888.723.7328 Some links in this site may direct you outside of the Stanford Federal Credit Union website. Stanford FCU is not responsible for the content displayed on these other websites. If you are using a screen reader and are having problems using this website, please call 888.723.7328 for assistance. 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