What are the current interest rates at Stanford Federal Credit Union?

Current rates for Stanford Federal Credit Union include: 12-Month CD: 4.20%

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Stanford Federal Credit Union

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Stanford Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Stanford Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Stanford Federal Credit Union's 12-Month CD rates are at 4.70%, 12-Month Business CD rates are at 4.20%. Stanford Federal Credit Union's Personal Loan Rates are as low as 9.74%. MonitorBankRates evaluates the financial stability of Stanford Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.97%. Rates last updated and verified on 09/21/2026.

Stanford Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Stanford Federal Credit Union? Share your experience about Stanford Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Stanford Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Stanford Federal Credit Union
Corporate Office

1860 Embarcadero Rd
Palo Alto, CA 94303-3335

https://www.sfcu.org

Stanford Federal Credit Union CD Rates

Product	Rate	APY	Term
12-Month Certificate	-	4.70%	12 Months
Min Deposit $100 Details Includes a .50 bonus for active and engaged members through our Loyalty+ program. Rate remains fixed through maturity. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. Automatically renews at a 12-month term at the rate in effect on the maturity date. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
12-Month Business Certificate	-	4.20%	12 Months
Min Deposit $100 Details Rate remains fixed through maturity. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. Automatically renews at a 12-month term at the rate in effect on the maturity date. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Stanford Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
ADU HELOC (variable)	6.00%	-	6.00%
Details 12-Month Introductory Rate; 12 payments Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity ADU HELOC	6.00%	-	6.00%	12 months
Details The ADU HELOC rate is fixed for the first 12 months, then variable and subject to increase or decrease during the loan term. The rate example shown here is based on ADU construction at an owner-occupied single-family detached house located in the state of California with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. The property must be owner-occupied and located in California, and an approved permit from the County where the property is located is required. Other restrictions may apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
ADU HELOC (variable)	7.00%	-	7.00%
Details Rate for the Remainder of the Term; 228 payments Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Loan	-	-	7.00%	30 years
Details The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table ("Index"). The Prime + 0% rate is a temporary promotional offer for new HELOCs funded on or after 9/17/2026, and is subject to change without notice. For qualifying HELOCs, the Prime + 0% rate will continue throughout the entire loan term. The minimum interest rate is 4.000%, and the maximum interest rate is 18.000%. Equity lines for owner-occupied properties have a 10-year draw period and a 20-year repayment period for a total term of 30 years. Equity lines for second homes and investment properties have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only. There is no annual fee or early termination fee. The rate example shown here is based on an owner-occupied single-family home with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. Some restrictions may apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Owner-Occupied HELOC (variable)	7.00%	-	7.00%
Details Variable rate; 240 payments Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity 15 Yr Fixed Second Mortgage	7.13%	-	7.20%	15 Yr
Details 180 payments Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity 20 Yr Fixed Second Mortgage	7.38%	-	7.44%	20 Yr
Details 240 payments Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Loan	-	-	8.38%	20 years
Details The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table ("Index"). The Prime + 0% rate is a temporary promotional offer for new HELOCs funded on or after 9/17/2026, and is subject to change without notice. For qualifying HELOCs, the Prime + 0% rate will continue throughout the entire loan term. The minimum interest rate is 4.000%, and the maximum interest rate is 18.000%. Equity lines for owner-occupied properties have a 10-year draw period and a 20-year repayment period for a total term of 30 years. Equity lines for second homes and investment properties have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only. There is no annual fee or early termination fee. Second Home/Investment HELOCs have a maximum 75% CLTV and maximum line of $400,000 with a variable rate of Prime + 1.375%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Second Home/Investment HELOC (variable)	8.38%	-	8.38%
Details Variable rate; 240 payments Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Stanford Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto	-	-	4.49%	0 to 60 Months
Details Vehicles 7 model years or newer with less than 75K miles Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New and used auto loans	-	-	4.49%	60 months
Details As low as; Rates shown are for our highest credit tier plus an Ambassador Loyalty+ bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates. Vehicles must be purchased from a franchise dealer in the state you live in. Refinances are limited to CA residents. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Auto	-	-	4.62%	61 to 84 Months
Details Vehicles 7 model years or newer with less than 75K miles Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Classic Auto	-	-	6.49%	0 to 36 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Stanford Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boat Loan	-	6.49%	0 to 60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Motorcycle Loan	-	6.49%	0 to 60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used RV Loan	-	6.49%	0 to 60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	6.62%	61 to 84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used RV Loan	-	6.62%	61 to 84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used Boat Loan	-	8.62%	85 to 144 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
New & Used RV Loan	-	8.62%	85 to 144 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Stanford Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.74%	60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Personal Line of Credit	11.24%	Revolving
Details Annual Percentage Rate As Low As* Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Stanford Federal Credit Union’s Texas Ratio rose from 0.37% in Q2 2023 to 0.97% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$4.8B	0.97%	5.0	A+
December 31, 2025	$4.7B	1.38%	5.0	A+
September 30, 2025	$4.5B	0.76%	5.0	A+
June 30, 2025	$4.3B	0.68%	5.0	A+
March 31, 2025	$4.4B	0.80%	5.0	A+
December 31, 2024	$4.3B	1.14%	5.0	A+
September 30, 2024	$4.3B	1.18%	5.0	A+
June 30, 2024	$4.2B	1.07%	5.0	A+
March 31, 2024	$4.2B	0.74%	5.0	A+
December 31, 2023	$4.1B	0.86%	5.0	A+
September 30, 2023	$4.1B	0.75%	5.0	A+
June 30, 2023	$4.1B	0.37%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Stanford Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Stanford Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Stanford Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Stanford Federal Credit Union

Website https://www.sfcu.org

Address 1860 Embarcadero Rd, Palo Alto, CA 94303-3335

Phone 650-842-6049

Fax 650-739-0435

President Shirley Everett

CEO Joan Opp

Full-Time Employees 255

Part-Time Employees 4

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.97%

Return on Assets (ROA)

0.2353%

Return on Equity (ROE)

2.2216%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

4,800,513,897

Total Amount of Shares and Deposits

3,709,005,122

Total Shares and Deposits < 1 Year

3,604,773,271

Total Shares and Deposits 1 3 Years

91,131,154

Total Shares and Deposits > 3 Years

13,100,699

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

669,228,826

Total Uninsured Shares and Deposits > $250K (F+J)

669,228,826

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,039,776,296

Total Interest Expense (Sum of items 6 8)

26,247,752

Share Certificates

36,944

Number of Accounts for Share Drafts

88,796

IRA KEOGH Accounts

2,426

Number of Accounts for Regular Shares

56,813

All other shares

1,585

Money Market Shares

7,619

Net Income (unless the amount is already included in Undivided Earnings)

11,297,516

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

756,065,344

Total Liabilities

4,304,757,408

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Stanford Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Stanford Federal Credit Union

How many branches does Stanford Federal Credit Union operate?

Stanford Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Stanford Federal Credit Union?

Yes, to access services at Stanford Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Stanford Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Stanford Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Stanford Federal Credit Union offer online and mobile banking?

Most modern institutions like Stanford Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sfcu.org.