Credit union · NCUA insured
Stanford Federal Credit Union CD Rates
Top CarrotStanford Federal Credit Union’s best CD rate is 4.75% APY on a 5-year share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Stanford Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Jose, CA, where Stanford Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
Certificates
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
3rd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $439
Stanford Federal Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.70%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Stanford Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.75%APY · 10 terms
Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 3.25% | $80 |
| 3 monthsStandard rate tier | 2.75% | $68 |
| 6 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 3.75% | $186 |
| 6 monthsStandard rate tier | 3.25% | $161 |
| 7 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus). May be closed after 7 calendar days from opening with no penalty | 4.00% | $231 |
| 7 monthsStandard rate tier. 7-Month No Penalty Certificate may be closed after 7 calendar days from opening with no penalty | 3.50% | $203 |
| 12 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus for active and engaged members) | 4.70% | $470 |
| 12 monthsStandard rate tier | 4.20% | $420 |
| 24 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.20% | $858 |
| 24 monthsStandard rate tier | 3.70% | $754 |
| 25 monthsSpecial promotional rate. Must apply between 8/10/26 and 9/30/26. New money required (funds not currently held in a Stanford FCU checking, savings, or certificate). Additional rate bonuses not available. Renews automatically at maturity into a 24-month term | 4.20% | $895 |
| 36 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.25% | $1,330 |
| 36 monthsStandard rate tier | 3.75% | $1,168 |
| 48 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.30% | $1,834 |
| 48 monthsStandard rate tier | 3.80% | $1,609 |
| 50 monthsSpecial promotional rate. Must apply between 8/10/26 and 9/30/26. New money required (funds not currently held in a Stanford FCU checking, savings, or certificate). Additional rate bonuses not available. Renews automatically at maturity into a 48-month term | 4.30% | $1,917 |
| 60 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.75% | $2,612 |
| 60 monthsStandard rate tier | 4.25% | $2,313 |
Special-purpose accounts
IRA Certificates
Up to 4.75%APY · 5 terms
Membership eligibility required. Traditional and Roth IRA certificate options available. Minimum opening deposit $100. Dividends compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.70% | $470 |
| 12 monthsStandard rate tier | 4.20% | $420 |
| 24 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.20% | $858 |
| 24 monthsStandard rate tier | 3.70% | $754 |
| 36 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.25% | $1,330 |
| 36 monthsStandard rate tier | 3.75% | $1,168 |
| 48 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.30% | $1,834 |
| 48 monthsStandard rate tier | 3.80% | $1,609 |
| 60 monthsPremium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus) | 4.75% | $2,612 |
| 60 monthsStandard rate tier | 4.25% | $2,313 |
Sources (1)
- sfcu.org/bank/individual-retirement-account-ira · captured Oct 16, 2026
Who can join Stanford Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.