About Us
In 1789, research was advancing rapidly at SCU University—and one group of university employees was looking for a better way to bank. With pooled resources, they created a credit union for SCU employees and gradually expanded to serve the entire SCU community—faculty, staff, students, volunteers, alumni, employees of SCU Health Care and SLAC National Accelerator Laboratory. Our reputation grew and more people wanted to join.
Today, we're open to anyone looking to join forces with a trusted financial partner. That includes an impressive list of top-performing, innovative companies and their employees who expect the best products, service and experience—like Google, Facebook-Meta, Tesla, Genentech, SAP, NVIDIA, Amazon, Oracle and Visa.
We're in the heart of Silicon Valley, where creative thinking drives decisions every day. We were the first financial institution to offer digital banking, and we continue to prioritize convenience while drawing on SCU University's innovation and our high-tech community.
And we remain connected to each individual. Here it's all about your goals, your journey and all the ways we can improve your financial life.
We don't mean to overwhelm you with all the positives. But we're on a mission to improve financial lives.
Standard Credit Union is a great place to work, and we’re always looking for talented individuals to join our team!
Visit our About Us page to learn more about who we are and what we do.
Mailing Address:
Standard Credit Union
1245 Howell Mill Rd NW Atlanta,
Georgia, USA
For a list of all branch locations and their respective mailing addresses.
Please refer to our Contact Us page for all the ways you can contact us, including mailing addresses, phone numbers and department fax numbers.
If you believe your card has been lost or stolen, please contact a Member Care Team Specialist immediately at +1 408 454 8669 to protect your accounts.
Yes, we’re proud of our financial strength!
Standard Credit Union’s routing number is 321177722.
The Routing Number is also called an ABA number or routing transit number. You can find it in the lower left corner of your checks.
Financial institutions use routing numbers in order to process payments electronically. Some examples of electronic payments that Stanford FCU provides are bill pay, wire transfers, checking transactions (sometimes called electronic checks), and direct deposits.
With Digital Banking, you can access all of these electronic payment methods from your home in a safe and secure environment. Sign up today!
A credit union and a bank are both financial institutions that provide checking and savings accounts, credit cards and other financial services, but they have some key differences in how they are run and organized.
Credit unions
- Not-for-profit
- Members have a voice!
- Board of Directors are volunteers
- Income goes back to members (that's you!)
- Low to no fees for members
- Compelling savings rates
- Federally insured by NCUA
Banks
- For profit
- Stockholders have a voice
- Board of Directors are paid by the bank
- Income goes to the stockholders (boo!)
- Higher fees
- Average savings rates
- Federally insured by FDIC
Credit unions are member-owned. That means members have an active voice in how the credit union is run and the decisions the credit union makes. In contrast, banks are owned by their shareholders. Bank customers aren’t invited to shareholder meetings (unless they are also a shareholder), but all credit union members are regularly invited to the credit union’s annual meeting.
Another key difference is what the financial institutions do with their profits. Banks are for profit and need to pay their Board of Directors and shareholders. Since the goal is to make money, they may charge higher fees and offer lower savings rates. Credit unions, on the other hand, are not-for-profit. Any extra income they make goes back to the members in the form of better savings rates, lower loan rates, and reduced or waived fees.
Both credit unions and banks carry federal insurance for their members’ and customers’ money. Banks are insured through the Federal Deposit Insurance Corporation (FDIC), and credit unions are insured through the National Credit Union Administration (NCUA). The insurance limits through both agencies are the same.
Both credit unions and banks are safe places for your money, but we believe that credit unions are something truly special. A credit union like Standard Credit Union cares about you as a person (and not just an account number) and will bend over backwards to find ways to say YES to your financial success. We put our members first, and we invite you to experience the credit union difference for yourself.
The transactions you can complete at the shared branches vary by institution and branch, so we recommend checking their website or calling ahead after you find a convenient location.
Some examples of transactions allowed at Co-op shared branches are:
- Cash withdrawals up to $500
- Deposits to your account
- Get account information
- Make loan payments
- Transfer money to another account
- Purchase money orders, travelers checks or official checks
- And more!
Shared branches are available through the Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Standard Credit Union accounts at other credit unions throughout the country as though you were at your local Standard Credit Union branch (some services may be limited).
Yes! We allow members of other credit unions to come into our branches to conduct transactions.
The following transactions are allowed at a Co-op shared branch:
- Cash withdrawals up to $500
- Deposits to your account
- Obtain account information
- Make loan payments
- Transfer money to another account
- Get cashier’s checks
- And more!
We participate in shared branching with Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Standard Credit Union accounts at other credit unions throughout the country as though you were at your local branch (with some service restrictions).
Not a member yet? Joining is easy! You can open an account with Standard Credit Union with as little as $5.00.
No! You’re a member for life and we don’t want to see you go! You can access your accounts and perform most transactions worldwide 24/7 through Digital Banking. We also have over 6,000 shared branch locations with other credit unions, where you can conduct business as if you were at one of our local branches.
Form W-8BEN, a Certificate of Foreign Status of Beneficial Owner for U.S. Tax Withholding, is used by a foreign person to establish both foreign status and beneficial ownership, and to claim income tax treaty benefits with respect to income other than compensation for personal services. We must have this form on file to guide us on the tax withholding for any interest-bearing accounts that you have with us.
A Select Employer Group (SEG) is a company that partners with Standard Credit Union to offer financial services and education as a benefit to its employees.
We proudly serve the banking needs of employees of over 100 employers throughout the Bay Area. As a not-for-profit credit union, employees will benefit from higher rates on accounts, lower rates on loans, and they won’t have to worry about hidden fees and surprises.
If your company is interested in becoming one of our SEGs, you can learn more on our Company Benefits page.
We proudly serve the banking needs of individuals and families who comprise the SCU community, including SCU University and Hospital staff, faculty, students and alumni. We also serve employees of over 100 companies throughout the Bay Area. Family members of existing Standard Credit Union members are also eligible to join.
Not a member yet? Join today!
If you want a banking experience that delivers lower home and vehicle loan rates>, higher savings and investment rates, and leading-edge Digital Banking access, Standard Credit Union is the banking choice for you. We’re a member-owned financial cooperative providing personal service along with convenient nationwide access through Co-op shared branches.
Joining is easy! You can open a digital account with as little as $5.00. Open your account today!
Yes! You will be asked to submit an additional tax form along with the membership application and a government-issued picture ID.
Join today!
If you want a banking experience that delivers lower home and vehicle loan rates, higher savings and investment rates, and leading-edge Digital Banking access, Standard Credit Union is the banking choice for you. We’re a member-owned financial cooperative providing personal service along with convenient nationwide access through Co-op shared branches.
Joining is easy! You can open a digital account with as little as $5.00. Open your account today!
You can open your new membership online or at a local Standard Credit Union branch. You’ll need a current government-issued photo ID, a U.S. address, and $5.00 as your membership share (normally paid by Standard Credit Union).
We’re a not-for-profit credit union that’s owned by 92,000 members! We give back to our members every day with low rates on loans, high rates on savings, low fees and personal service. Our focus is always on our member/owners, and we’re constantly searching for new ways to offer greater value.
Joining is easy! Open your account today!
Credit union members receive a number of benefits, including:
- Fewer fees
- Lower loan rates
- Higher rates of return on savings accounts
- Personal attention
- Free financial education
Not a member yet? Joining is easy! You can open an account with Standard Credit Union with as little as $5.00. Open your account today!
Although we serve employees of select companies, anyone can join Standard Credit Union!
We absolutely will accept coin deposits! We do not have coin counting machines, so you will need to roll your coins before you bring them in for deposit.
Questions? Contact us at +1 408 454 8669 or use Chat.
It’s easy to get even more value from your Standard Credit Union membership - just deposit your payroll with us or use our debit or credit card for your everyday expenses to access your Loyalty+ rewards (formerly Membership Rewards)!
At Standard Credit Union, we want to help you make the most of your banking experience. That’s what Loyalty+ is all about. You get more value when you do more business with us. There are two levels of membership based on your engagement: Partner and Ambassador.
You’ll enjoy exclusive benefits like bonus deposit rates, loan discount rates, and unlimited free worldwide ATMs.
All of our credit card options have no annual fee, no balance transfer fees, no cash advance fees, and no foreign transaction fees! Most options earn rewards points with every purchase. Visit our Credit Cards web page to view our different card options, and visit our Card Benefits web page to explore the additional benefits available for each card.
