Stanford Federal Credit Union


1860 Embarcadero Road
Palo Alto, CA 94303
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Notable Rates APY Vs.Others
Savings 0.10% 5.40% →
1-Year CD 4.85% 5.77% →
2-Year CD 3.35% 5.50% →
5-Year CD 4.23% 5.25% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Stanford is an NCUA insured institution located in Palo Alto, CA. It was founded in 1959 and has approximately $4108.9 millions in assets.

Who can join?

If you’re a member of the Stanford Community, then you can join.

You can also join if you meet one of the following criteria...

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,

NCUA Insured Yes / Federally Chartered
Charter Number # # 13392
Date Established 1959
Assets $4,108.90 million
Loans $3,158.51 million
Deposits $3,060.90 million
Capital $400.75 million

Field of Membership Restrictions

Membership in Stanford Federal Credit Union is open to anyone through membership in the Friends of Palo Alto Library or the Museum of American Heritage (membership paid through the credit union). Membership is also open to the following: (1) faculty, students and alumni of Stanford University; (2) employees of Sun Microsystems, City of Palo Alto, Facebook and over 200 area Select Employer Groups.

Deposit Rates - November 29, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $0 - Learn More
Money Market
1.81% $2,500 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
Premium Share 3 Months
1.92% $1,000 - Learn More
Premium Share 6 Months
2.27% $1,000 - Learn More
Premium Share 7-Month No Penalty
4.07% $1,000 - Learn More
Premium Share 12 Months
4.85% $1,000 - Learn More
Premium Share 24 Months
3.35% $1,000 - Learn More
Premium Share 36 Months
3.35% $1,000 - Learn More
Premium Share 48 Months
3.45% $1,000 - Learn More
Premium Share 60 Months
4.23% $1,000 - Learn More
Int Checking Rates APY MIN MAX
0.15% $0 - Learn MoreShow Less

Loan Rates - November 29, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Stanford

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Points Fees Monthly
Learn More
Neighbors Bank
NMLS ID: 491986
Learn More
NMLS ID: Not a Lender
Learn More
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More

Note to Stanford
To upload and update your bank's rates please register. It is free to register and add rates.



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Stanford Locations

Climate Initiatives

STANFORD is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Stanford Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Stanford. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Stanford U.S. Average
0.23% 4.93

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2023, Stanford had $739,456 in non-current loans and $229,619 in owned assets. To cover these potential losses it had $400,752,598 in net worth and $22,011,924 in loans loss reserves. That gives it a Texas Ratio of 0.23%.

Net Worth
Stanford U.S. Average
9.75% 13.17%

Stanford FCU has a net worth of 9.75% versus the BestCashCow average of 13.17. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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