Stanford Credit Union

Palo Alto, California
Last verified: August 4, 2026
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Verified rate book

Current Stanford Credit Union rates

72 published offers verified as of August 4, 2026.

How we verify rates

HELOC rates

5 offers
Stanford Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Effective Date: 7/3/26 (ADU HELOC (variable) 3 12-Month Introductory Rate)heloc_variable5.750% APR5.750%—Introductory offer
Effective Date: 7/3/26 (ADU HELOC (variable) 3 Rate for the Remainder of the Term)heloc_variable6.750% APR6.750%—Standard
Effective Date: 7/3/26 (15 Yr Fixed Second Mortgage)heloc_fixed7.125% APR7.125%—Standard
Effective Date: 7/3/26 (20 Yr Fixed Second Mortgage)heloc_fixed7.375% APR7.375%—Standard
Effective Date: 7/3/26 (Second Home/Investment HELOC (variable) 2)heloc_variable8.125% APR8.125%—Standard

Savings & CD rates

65 offers
Stanford Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Companion Account - Converts to a Share (Savings) Account if the linked Certificate is closedcd0.10% APY0.10%—Standard
Individual Retirement Account (IRA)ira0.10% APY0.10%—Standard
Coverdell Education Savings Account (ESA)savings0.10% APY0.10%—Standard
High Yield Spending Account - Qualified with balances > $100,000savings0.15% APY0.15%—Standard
Money Marketmoney_market1.56% APY1.55%—Standard
Balances > $10,000-$50,000savings1.80% APY1.80%—Standard
Balances > $50,000savings1.80% APY1.80%—Standard
Student High Yield Savings Account - Balances > $50,000savings1.81% APY1.80%—Standard
Money Market Account - Ambassadormoney_market1.81% APY1.80%—Standard
Student High Yield Savings Account - Balances > $10,000-$50,000savings1.81% APY1.80%—Standard
3-Month Certificatecd_3mo2.47% APY2.47%3 moStandard
3-Month Certificateshare_certificate_3mo2.50% APY2.47%3 moStandard
6-Month Certificatecd_6mo2.96% APY2.96%6 moStandard
6-Month Certificateshare_certificate_6mo3.00% APY2.96%6 moStandard
Premium Certificate - 3 Monthsshare_certificate_3mo3.00% APY2.96%3 moStandard
Effective Date: 7/27/26 (3 Months)cd_3mo3.00% APY2.96%3 moStandard
Balances up to $1,000savings3.00% APY3.00%—Standard
Teen Spending Account - Balances up to $1,000savings3.04% APY3.00%—Standard
24-Month Certificatecd_24mo3.15% APY3.15%24 moStandard
Balances up to $10,000savings3.20% APY3.20%—Standard
Balances up to those in the linked Certificatecd3.20% APY3.20%—Standard
36-Month Certificatecd_36mo3.20% APY3.20%36 moStandard
24-Month IRA Certificateira_cd_24mo3.20% APY3.15%24 moStandard
Qualified with balances up to $100,000savings3.20% APY3.20%—Standard
24-Month Certificateshare_certificate_24mo3.20% APY3.15%24 moStandard
36-Month IRA Certificateira_cd_36mo3.25% APY3.20%36 moStandard
Student High Yield Savings Account - Balances up to $10,000savings3.25% APY3.20%—Standard
36-Month Certificateshare_certificate_36mo3.25% APY3.20%36 moStandard
Companion Account - Balances up to those in the linked Certificatecd3.25% APY3.20%—Standard
High Yield Spending Account - Qualified with balances up to $100,000savings3.25% APY3.20%—Standard
Certificate - 7 Month No Penaltyshare_certificate_7mo3.25% APY3.20%7 moStandard
48-Month Certificatecd_48mo3.25% APY3.25%48 moStandard
48-Month IRA Certificateira_cd_48mo3.30% APY3.25%48 moStandard
48-Month Certificateshare_certificate_48mo3.30% APY3.25%48 moStandard
12-Month Certificatecd_12mo3.45% APY3.45%12 moStandard
12-Month Certificateshare_certificate_12mo3.50% APY3.45%12 moStandard
12-Month IRA Certificateira_cd_12mo3.50% APY3.45%12 moStandard
Effective Date: 7/27/26 (6 Months)cd_6mo3.50% APY3.45%6 moStandard
Premium Certificate - 6 Monthsshare_certificate_6mo3.50% APY3.45%6 moStandard
60-Month Certificatecd_60mo3.59% APY3.59%60 moStandard
60-Month Certificateshare_certificate_60mo3.65% APY3.59%60 moStandard
60-Month IRA Certificateira_cd_60mo3.65% APY3.59%60 moStandard
Effective Date: 7/27/26 (60 Months)cd_60mo3.65% APY3.59%60 moStandard
Effective Date: 7/27/26 (24 Months)cd_24mo3.70% APY3.64%24 moStandard
Premium IRA Certificate - 24 Monthsira_cd_24mo3.70% APY3.64%24 moStandard
Premium Certificate - 24 Monthsshare_certificate_24mo3.70% APY3.64%24 moStandard
Premium Certificate - 7 Month No Penaltyshare_certificate_7mo3.75% APY3.69%7 moStandard
Premium Certificate - 36 Monthsshare_certificate_36mo3.75% APY3.69%36 moStandard
Premium IRA Certificate - 36 Monthsira_cd_36mo3.75% APY3.69%36 moStandard
Effective Date: 7/27/26 (36 Months)cd_36mo3.75% APY3.69%36 moStandard
Premium IRA Certificate - 48 Monthsira_cd_48mo3.80% APY3.74%48 moStandard
Effective Date: 7/27/26 (48 Months)cd_48mo3.80% APY3.74%48 moStandard
Premium Certificate - 48 Monthsshare_certificate_48mo3.80% APY3.74%48 moStandard
Balances up to $5,000savings3.93% APY3.93%—Standard
Effective Date: 7/27/26 (12 Months)cd_12mo4.00% APY3.93%12 moStandard
Premium Certificate - 12 Monthsshare_certificate_12mo4.00% APY3.93%12 moStandard
Youth Savings Account - Balances up to $5,000savings4.00% APY3.93%—Standard
Premium IRA Certificate - 12 Monthsira_cd_12mo4.00% APY3.93%12 moStandard
Effective Date: 7/27/26 (8-Month Special*)cd_8mo4.02% APY4.02%8 moStandard
8-Month Special Certificatecd_8mo4.10% APY4.02%8 moStandard
Premium IRA Certificate - 8-Monthira_cd_8mo4.10% APY4.02%8 moStandard
Premium Certificate - 8-Monthshare_certificate_8mo4.10% APY4.02%8 moStandard
8-Month Certificatecd_8mo4.10% APY4.10%8 moStandard
Premium Certificate - 60 Monthsshare_certificate_60mo4.15% APY4.07%60 moStandard
Premium IRA Certificate - 60 Monthsira_cd_60mo4.15% APY4.07%60 moStandard

Other rates

2 offers
Stanford Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Standard Variable Purchase APRother13.490% %13.490%—Standard
Standard Purchase APRother13.490% %13.490%—Standard

HELOC rates from 6.75% APR. Savings and certificate yields up to 4.15% APY.

Source: RateAPI.dev, verified from Stanford Credit Union's official website

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About Stanford Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
95.5K
Assets
$4.8B
Founded
1959
Locations reported
6
NCUA charter
13392
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • First-time homebuyer program
  • Bilingual services

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

MonterraEast Palo Alto Branch · East Palo Alto · CA · 94303Branch in the same ZIPFirst TechnologyPalo Alto Community Experience Center · Palo Alto · CA · 94306About 3.0 miles awayProvidentBranch Office · Palo Alto · CA · 94306-1437About 3.0 miles awayTechnologyPalo Alto Branch · Palo Alto · CA · 94306-1900About 3.0 miles awayEast County Schoolsopentext · Menlo Park · CA · 94025-6900About 3.7 miles awaySriMain Office · MENLO PARK · CA · 94025About 3.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Stanford Credit Union

Membership eligibility from Stanford Credit Union's own published criteria. How we verify this.

Membership criteria are published on Stanford Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Stanford Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Stanford Credit Union?

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Frequently Asked Questions

What rates does Stanford Credit Union offer?

Stanford Credit Union currently offers HELOC rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Stanford Credit Union rates updated?

RateAPI verifies Stanford Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Stanford Credit Union's rate data?

Rate data is collected directly from Stanford Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Stanford Credit Union's HELOC rate?

As of August 4, 2026, Stanford Credit Union offers home equity lines of credit from 6.75% APR.

What is Stanford Credit Union's best CD rate?

As of August 4, 2026, Stanford Credit Union offers savings and certificate (CD) yields up to 4.15% APY.

Related Rate Data

Compare Stanford Credit Union's rates against national credit-union benchmarks.

More California credit unionsHELOC ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Stanford Credit Union
curl "https://api.rateapi.dev/credit-unions/california/stanford" \
  -H "Authorization: Bearer YOUR_API_KEY"
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