Offers, rates and terms are subject to change without notice. All loans are subject to credit approval and membership eligibility.

*$250 new member bonus + $250 credit card bonus = $500 (see footnotes 1 and 5 below).

¹Open a Stanford FCU Everyday, Premier or High Yield Spending account with promo code SFCU250 and a minimum $2,500 monthly payroll direct deposit for 3 consecutive months. The first recurring direct deposits must be posted to your new spending account within 60 calendar days of your account opening date. Payroll direct deposit is defined as recurring ACH payments from your employer or the Social Security Administration. Other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify.

Offer does not apply to second or multiple spending accounts and/or existing members with spending accounts, and will be limited to one bonus per household. The spending account must remain open a minimum of three months.

The bonus offer is only available to new Stanford FCU members beginning January 1, 2024, and eligibility requirements apply. The bonus will be credited to your spending account within 30 days from satisfaction of the requirements. The 3-month new member period begins on the first day of the month following your account open date. Any taxes due on the bonus deposit are the sole responsibility of the recipient. Stanford FCU will report the bonus deposits to the appropriate state and federal agencies, as required by applicable law. This offer is not valid with any other Stanford FCU promotional offer, and is subject to change without notice. Membership eligibility required.

² $500 discount for purchase and refinance loans is rebated after funding and cannot be combined with any other offer. Discounts do not apply to Home Equity Lines of Credit or refinancing an existing Stanford FCU mortgage.

³ Emergency Loans of $500 to $2,000 have terms up to 24 months and a 17.00% APR. Funds are provided the same or next business day into a Stanford FCU account. There are no fees, but a late payment fee may apply. You must be employed full or part-time at one of our partner companies for at least 6 months (interns, temps and contract employees do not qualify). Only one Emergency Loan at a time. Credit will be pulled for the sole purpose of confirming there is no bankruptcy, and the loan status will be reported to credit bureaus. Payment Example: A $2,000 24-month Emergency Loan at 17.00% APR would result in monthly payments of $98.88.

⁴ Must be a member of the Stanford Alumni Association. Cannot be combined with any other offer, including Stanford FCU’s Membership Rewards.

⁵ Earn 25,000 bonus points ($250 cash back) when you spend $1,500 on the credit card in the first 90 days of account opening. Does not apply to balance transfers. Additional points credited at the end of the month.