bank rates

West Coast CU: Up To 2% On 5-Year CDs

Stanford Federal Credit Union’s premium CD rates give the 60-month term a significant boost and don’t require an extensive relationship of its 50,000 members.

It pays 1.86% APY with a $1,000 minimum deposit

That’s a tenth of a percentage point higher than the top nationally available 60-month CD rate on our CD Rates Leaderboard.

That return goes up to 1.91% APY with a $25,000 minimum deposit, to 1.96% APY at $50,000, and to 2.01% APY at $100,000.

While many banks and credit unions have a laundry list of requirements needed to qualify for higher relationship rates, northern California-based Stanford Federal Credit Union asks only for a current loan or a checking account with a monthly direct deposit of at least $500.

Better yet, its eChecking account doesn’t have a minimum balance or monthly service fee. ATM transactions at CO-OP and Allpoint Networks are free too.

You have to be a member of Stanford Federal Credit Union to buy these certificates of deposit. Membership is open to students, faculty, staff, alumni and volunteers of Stanford University, as well as Stanford Hospital and Clinics, Lucile Packard Children’s Hospital and SLAC National Accelerator Laboratory; members, employees and volunteers of the Palo Alto Chamber of Commerce; and employees of companies that are members of the Palo Alto Chamber of Commerce.

Savers anywhere can become credit union members by first joining the Museum of American Heritage for $35 or the Friends of Palo Alto Library for $20.

Membership requires a $50 deposit in a share savings account. Opening a checking account requires an additional $50 deposit.

Members can buy CDs over the phone, online or in person at one of the credit union’s four branches near the university in Stanford and Palo Alto.

Learn more about Stanford Federal Credit Union at or call 888-723-7328.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

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Comments (4)
1 Star2 Stars3 Stars4 Stars5 Stars (3 votes, average: 4.67 out of 5)
4 Existing Comments
  1. Thomas said:
    on June 4th at 02:55 pm

    Thats a lot better than I am currently getting. But most banks are the same and I am tired of switching everytime my cds mature.

  2. Kathy at Bankaholic said:
    on June 11th at 08:03 am

    Stanford has raised all of these 60-month CD rates by 0.05% —
    1.91% APY with $1,000 minimum
    1.96% APY with $25,000 minimum
    2.01% APY with $50,000 minimum
    2.06% APY with $100,000 minimum

  3. Kathy at Bankaholic said:
    on July 2nd at 06:38 am

    Stanford has bumped up all of its premium CD rates again:
    2.069% APY with $1,000 minimum
    2.12% APY with $25,000 minimum
    2.17% APY with $50,000 minimum
    2.22% APY with $100,000 minimum

  4. Kathy at Bankaholic said:
    on November 26th at 08:41 am

    Stanford has raised two of these 60-month rates and lowered two. It now pays 2.27% APY with a $100,000 minimum deposit and 2.22% APY with a $50,000 minimum. The two lower rates are: 2.07% APY with a $25,000 minimum and 2.02% APY with a $1,000 minimum.