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Stanford Federal Credit Union Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Stanford Federal Credit Union's Personal Loan Rates are at 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 0.76%. Rates last updated and verified on 08/30/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.76%
Excellent Lower than avg
Stanford Federal Credit Union
Corporate Office
1860 Embarcadero Rd
Palo Alto, CA 94303 3335
https://www.sfcu.org
Member NCUA

Stanford Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
ADU HELOC (variable) 5.75% - 5.75% 12 months
Details Intro rate for 12 months
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Home Equity ADU HELOC - - 5.75%
Details The ADU HELOC rate is fixed for the first 12 months, then variable and subject to increase or decrease during the loan term. ADU HELOC payment example: An ADU HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), a 5.750% APR, and a FICO® score of 720 or greater will have a fixed monthly payment of $1,197 for the first 12 months. After the initial 12 months, the rate and payment are subject to change. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
ADU HELOC (variable) 6.75% - 6.75% Remainder of the Term
Details Rate for the Remainder of the Term
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Home Equity Loan - - 6.75% 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 12/11/2025, 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. HELOC payment example: A HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), a 6.750% APR, and a FICO® score of 680 or greater will have a monthly payment of $1,407. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Owner-Occupied HELOC (variable) 6.75% - 6.75%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Home Equity 15 Yr Fixed Second Mortgage 7.13% - 7.20% 15 Yr
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Home Equity 20 Yr Fixed Second Mortgage 7.38% - 7.44% 20 Yr
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Home Equity Second Home/Investment HELOC - - 8.13% 20 years
Details Second Home/Investment HELOCs have a maximum 75% CLTV and maximum line of $400,000 with a variable rate of Prime + 1.375%. Payment example: A HELOC with a loan amount of $250,000, 75% Combined Loan to Value (CLTV), an 8.125% APR, and a FICO® score of 680 or greater will have a monthly payment of $1,693.00. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Second Home/Investment HELOC (variable) 8.13% - 8.13%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%

Stanford Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Auto - - 4.49% 0 to 60 Months
Details Vehicles 7 model years or newer with less than 75K miles
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
New & Used Auto - - 4.62% 61 to 84 Months
Details Vehicles 7 model years or newer with less than 75K miles; 20K minimum
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Classic Auto - - 6.49% 0 to 36 Months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%

Stanford Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - 9.74%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
Personal Line of Credit - 11.24%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.76%
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.
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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 250
Part-Time Employees 5
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
0.76%
Return on Assets (ROA)
0.6874%
Return on Equity (ROE)
6.4321%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
4,548,600,943
Total Amount of Shares and Deposits
3,416,217,277
Total Shares and Deposits < 1 Year
3,301,870,391
Total Shares and Deposits 1 3 Years
98,226,616
Total Shares and Deposits > 3 Years
16,120,272
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
572,341,627
Total Uninsured Shares and Deposits > $250K (F+J)
572,341,627
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,843,875,650
Total Interest Expense (Sum of items 6 8)
78,781,109
Share Certificates
34,699
Number of Accounts for Share Drafts
93,057
IRA KEOGH Accounts
2,541
Number of Accounts for Regular Shares
60,184
All other shares
1,851
Money Market Shares
7,581
Net Income (unless the amount is already included in Undivided Earnings)
31,269,348
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)
638,212,425
Total Liabilities
4,076,013,262
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

Want to discuss Stanford Federal Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Stanford Federal Credit Union
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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.

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