Search menu toggle Member Give Back We do what is right for our members Member Give Back Every credit union dreams of being able to give back to its members, but in today’s highly competitive financial services industry, few can achieve that dream. Stanford FCU is different—our lean, not-for-profit operating model contributes to our fiscal strength and enables our Member Give Back to thrive. Our Member Give Back provides market-leading rates in deposit and loan products–not just for high-credit individuals, but for all members. We have minimal-to-no fees, and returns that go to members not shareholders. Join Us Schedule an Appointment Stanford FCU saved members $25 million in 2020 According to the Credit Union National Association (CUNA), Stanford FCU provided $25 million in direct financial benefits to our members last year! Learn more “Stanford FCU doesn’t have a lot of fees to reduce or waive, because we barely charge any fees. And we don’t usually offer special rates, because our everyday rates are already amazing.” —Joan Opp Stanford FCU President/CEO Bank Comparison Chart Bigger isn’t better when it comes to banking— see for yourself Member Perks Free, Free, Free! Free notary service We’re here to help! Just make an appointment at one of our branches. Simply free Student Checking Account There really are NO fees (and free unlimited worldwide ATMs!). Free incoming wires Banks charge $15 when it costs them nothing to receive wires. Way better cards Zero foreign transaction fees Travel with peace of mind and no extra fees on your credit and debit cards (banks charge 3%). Zero credit card annual fees Plus a low rate and cash-back on every purchase. One low credit card rate On purchases, cash advances and balance transfers because we don’t need to trick you into paying more interest. No credit card cash advance or balance transfer fees We want you to take advantage of our low rates, not pay extra fees. More value overall Membership Rewards You get more discounts and rewards when you do more with us. Best rates for everyone Certificate and Money Market accountholders earn our highest rates, regardless of balance. $20 insufficient funds fee NSF, overdraft and returned deposit fees (banks charge $35). Member give back testimonials Sarah K.'s testimonial Ramesh C.'s testimonial Heidi B.'s testimonial Explore More Our Team Join Us Community Spirit 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. Federally Insured by NCUA | Equal Housing Lender | NMLS #729643 Disclosures Homeowner Hardship Assistance Security Privacy Policy Cookie Settings © 2021 Stanford Federal Credit Union