Stanford Federal Credit Union
Headquarters
1860 Embarcadero Road
Palo Alto, CA 94303
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2024 Overview
General Credit Union Information
Stanford is an NCUA insured institution located in Palo Alto, CA. It was founded in 1959 and has approximately $4145.38 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 | $4,145.38 million |
| Loans | $3,244.76 million |
| Deposits | $3,101.70 million |
| Capital | $418.39 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 - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $0 | - |
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|
|
Money Market
|
1.81% | $2,500 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Premium Share 3 Months
|
1.92% | $1,000 | - |
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|
| Premium Share 6 Months
|
2.27% | $1,000 | - |
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|
| Premium Share 7-Month No Penalty
|
4.07% | $1,000 | - |
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|
| Premium Share 12 Months
|
4.85% | $1,000 | - |
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|
| Premium Share 24 Months
|
3.35% | $1,000 | - |
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|
| Premium Share 36 Months
|
3.35% | $1,000 | - |
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|
| Premium Share 48 Months
|
3.45% | $1,000 | - |
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|
| Premium Share 60 Months
|
4.23% | $1,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.15% | $0 | - | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3029 |
7.106% | 6.990% | 0.63 | $3,929 | $2,127 | Learn More |
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Stanford
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Branches
Below are Stanford branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
STANFORD is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 1.30% | 6.97 |
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 December 31, 2023, Stanford had $5,488,130 in non-current loans and $229,619 in owned assets. To cover these potential losses it had $418,390,366 in net worth and $22,011,924 in loans loss reserves. That gives it a Texas Ratio of 1.30%.
Net Worth
| Stanford | U.S. Average |
|---|---|
| 10.09% | 13.62% |
Stanford FCU has a net worth of 10.09% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Stanford
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