Credit union · NCUA insured
Stanford Federal Credit Union Credit Card Rates
Top CarrotStanford Federal Credit Union credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How Stanford Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Jose, CA, where Stanford Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Stanford Federal Credit Union
12.49%APR
- Up to
- 17.99% APR
Cash Rewards Visa
Lowest rate
Star One Credit Union
8.75%APR
- Up to
- —
2nd-lowest rate
F3 Credit Union
8.99%APR
- Up to
- —
Stanford Federal Credit Union credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Stanford Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Rewards Visa
Offered if applicant does not qualify for another Stanford FCU credit card. Membership eligibility and credit approval required. No annual fee, foreign transaction fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–17.99% | None | Standard variable APR for purchases and cash advances based on creditworthiness; varies with the market based on Prime Rate. |
| Intro, 6 months | 1.99% | None | Introductory APR for six months from account opening on balance transfers. After that, standard variable APR of 12.49% to 17.99% applies based on creditworthiness. |
Sources (3)
- sfcu.org/cards/alumni-credit-card
- sfcu.org/cards/compare-credit-cards
- sfcu.org/visa-application-and-solicitation-disclosure
All captured Sep 16, 2026
Secured Visa
Offered to build or rebuild good credit if applicant does not qualify for another Stanford FCU credit card. Collateralized by savings account at 110% of credit limit (credit limits from $500 to $1,000). No annual, foreign transaction, cash advance, or balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | 17.99% APR for purchases, balance transfers, and cash advances. 25-day grace period on purchases. |
Sources (2)
All captured Oct 17, 2026
Stanford Alumni Rewards Visa Credit Card
Available to Stanford alums. Membership eligibility and credit approval required. No annual fee, foreign transaction fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | Standard variable APR for purchases and cash advances based on creditworthiness; varies with the market based on Prime Rate. 25-day grace period on purchases. |
| Intro, 6 months | 1.99% | None | Introductory APR for 6 months on balance transfers made in the first 60 days of account opening from another financial institution. After that, standard variable APR of 13.49% to 18.00% applies. |
Sources (2)
All captured Oct 17, 2026
Stanford Athletics Fan Rewards Visa Credit Card
Available to all Stanford fans. Membership eligibility and credit approval required. No annual fee, foreign transaction fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | Standard variable APR for purchases and cash advances based on creditworthiness; varies with the market based on Prime Rate. 25-day grace period on purchases. |
| Intro, 6 months | 1.99% | None | Introductory APR for 6 months on balance transfers made in the first 60 days of account opening from another financial institution. After that, standard variable APR of 13.49% to 18.00% applies. |
Sources (1)
- sfcu.org/cards/stanford-athletics-credit-card · captured Oct 17, 2026
Student Cash Rewards Credit Card
Available to Stanford University students. Proof of student eligibility required; applicant must be at least 18 years old. No annual fee, foreign transaction fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 60 months | 5.00% | None | Fixed APR for purchases, balance transfers, and cash advances for the first 60 months from account opening for credit lines up to $2,500. 25-day grace period on purchases. |
| Ongoing | 12.49%–17.99% | None | After 60 months, card converts to Cash Rewards card and variable APR applies based on creditworthiness; varies with the market based on Prime Rate. 25-day grace period on purchases. |
Sources (2)
- sfcu.org/cards/student-cash-rewards-credit-card
- sfcu.org/visa-application-and-solicitation-disclosure
All captured Sep 16, 2026
Tech Card
Membership eligibility and credit approval required. No annual fee, foreign transaction fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | Standard variable APR for purchases and cash advances based on creditworthiness; varies with the market based on Prime Rate. 25-day grace period on purchases. |
| Intro, 6 months | 1.99% | None | Introductory APR for 6 months on balance transfers posted in the first 60 days of account opening from another financial institution. After that, standard variable APR of 13.49% to 18.00% applies. |
Sources (2)
All captured Oct 17, 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.