Stanford Federal Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Stanford Federal Credit Union's 8 month IRA CD 8-Month Love Your Rate CD rates are at 4.20%, 8 month Premium IRA CD 8-Month Love Your Rate CD rates are at 4.20%, 8 month CD Love Your Rate rates are at 4.20%, Premium IRA CD 12 month rates are at 3.85%, Premium CD 12 month rates are at 3.85%. Stanford Federal Credit Union's savings rates are at 0.10%. Stanford Federal Credit Union's money market rates are at 1.56%. Stanford Federal Credit Union's 15 Yr Fixed Second Mortgage rates are at 7.38%, 20 Yr Fixed Second Mortgage rates are at 7.62%. Stanford Federal Credit Union's Personal Loan Rates are at 9.49%.
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 by leaving a review below, or read customer reviews before you decide to use . Stanford Federal Credit Union Texas RatioStanford Federal Credit Union's Texas Ratio is at 0.81%, which is considered excellent. The Texas Ratio for Stanford Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Stanford Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Stanford Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Stanford Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Stanford Federal Credit Union
Corporate Office 1860 Embarcadero Rd
Palo Alto, CA 94303 3335 
Stanford Federal Credit Union CD Rates
Stanford Federal Credit Union Savings Rates
Stanford Federal Credit Union Money Market Rates
Stanford Federal Credit Union Mortgage Rates
Stanford Federal Credit Union Home Equity & HELOC
Stanford Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: Stanford Federal Credit Union
Website: https://www.sfcu.org
Full Time Employees: 250Part Time Employees: 5 President: Shirley Everett CEO: Joan Opp Branch Locations: 6 ATM Locations: 6 Corporate Office Address:
1860 Embarcadero Rd
Palo Alto, CA 94303 3335 Phone Number: 650-842-6049 Fax Number: 650-739-0435 FinancialsTotal 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
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
638,212,425
Total Liabilities:
4,076,013,262
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsnQRU
December 17, 2025
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Frequently Asked Questions About Stanford Federal Credit UnionIs a member application needed to join Stanford Federal Credit Union?Yes, to access services at Stanford Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Stanford Federal Credit Union provides a range of mortgage and home equity products. Is Stanford Federal Credit Union a safe place to deposit money?Yes, Stanford Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Stanford Federal Credit Union offer online and mobile banking?Most modern institutions like Stanford Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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