Credit union · NCUA insured
Stanford Federal Credit Union Savings Rates
Top CarrotStanford Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share (Savings) Account. Rates checked October 17, 2026.
How Stanford Federal Credit Union’s savings 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
3.25%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $325
Companion Account
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Stanford Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.56%
- $10,000 balance$10,0001.56%
- $100,000 balance$100,0001.56%
- QualifiedQualified3.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Companion Account
Up to 3.25%APY
Must be linked to a Certificate and funded with new money from another financial institution. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate if the linked Certificate is closed (converts to a Share/Savings Account). | 0.10% | $10 | Rate if the linked Certificate is closed (converts to a Share/Savings Account). |
| Any balanceBalances greater than those in the linked Certificate. | 0.00% | $0 | Balances greater than those in the linked Certificate. |
| $50 and upApplies to balances up to those in the linked Certificate. Minimum $50 balance required to earn dividends. | 3.25% | $325 | Applies to balances up to those in the linked Certificate. Minimum $50 balance required to earn dividends. |
Sources (3)
- sfcu.org/bank/compare-savings-accounts
- sfcu.org/why-stanford-fcu/mark…ding-rates/deposit-rates
- sfcu.org/bank/savings-account/companion-account
All captured Sep 16, 2026
Money Market Account
Up to 1.81%APY
Membership eligibility required. Variable rate account; dividends compounded and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires Stanford FCU Loyalty+ Ambassador relationship status.Any balance | 1.81% | $181 | Requires Stanford FCU Loyalty+ Ambassador relationship status. |
| Any balanceStandard rate. No opening deposit requirement and no monthly fee.Any balance | 1.56% | $156 | Standard rate. No opening deposit requirement and no monthly fee. |
Sources (2)
All captured Oct 6, 2026
Share (Savings) Account
0.10%APY
Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Youth Savings Account
1.81%APY
Designed for children age 0-17. Requires an adult co-signer who must also be a member.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Balances up to $5,000 | 4.00% | — | Balances up to $5,000 |
| $5,000 and upBalances > $5,000 | 1.81% | $181 | Balances > $5,000 |
Sources (3)
- sfcu.org/bank/kid-teen-banking
- sfcu.org/bank/compare-savings-accounts
- sfcu.org/why-stanford-fcu/mark…ding-rates/deposit-rates
All captured Oct 6, 2026
Student High Yield Savings Account
Up to 3.25%APY
Must be a Stanford University undergrad or graduate student (master's/doctorate). Requires a Student Spending Account. Limit one per primary member. Converts to a regular Savings account when Student Spending converts or closes.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balances up to $10,000 | 3.25% | $325 | Balances up to $10,000 |
| $10,000 – $50,000Balances > $10,000-$50,000 | 1.81% | $181 | Balances > $10,000-$50,000 |
| $50,000 and upBalances > $50,000 | 1.81% | — | Balances > $50,000 |
Sources (3)
- sfcu.org/bank/student-spending
- sfcu.org/students/student-favorites
- sfcu.org/why-stanford-fcu/mark…ding-rates/deposit-rates
All captured Oct 6, 2026
Coverdell Education Savings Account (ESA)
0.10%APY
For child's education savings up to 18th birthday; contribution limit up to $2,000 per year per student.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
Health Savings Account (HSA)
0.10%APY
Requires enrollment in a high-deductible health plan. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- sfcu.org/bank/compare-savings-accounts
- sfcu.org/bank/individual-retirement-account-ira
- sfcu.org/why-stanford-fcu/mark…ding-rates/deposit-rates
All captured Oct 6, 2026
Individual Retirement Account (IRA) Savings
0.10%APY
Governed by federal tax laws. Can be opened as Traditional or Roth IRA. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- sfcu.org/bank/compare-savings-accounts
- sfcu.org/why-stanford-fcu/mark…ding-rates/deposit-rates
- sfcu.org/bank/individual-retirement-account-ira
All captured Sep 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.