Stanford FCU posts an 8-month special at 4.10% APY, $100 minimum, new-money requirement. Disclosed application window closes 2026-09-14 — 30 days from collection date. Auto-renewal into 12-month at then-current standing rate. [Confirmed] Source: sfcu.org, effective 2026-07-27.
Patelco carries two nonstandard-term promotions, both effective 2026-08-07. The 7-month certificate posts 4.25% APY; the 13-month posts 4.00% APY. Both require new money, $250 minimum. Neither discloses an end date. Both price +100 to +125bps above Patelco's standing 12–17 month rate of 3.00% APY. [Confirmed] Source: patelco.org/rates.
Provident Pick-A-Term posts 3.60% APY at 3- and 6-month terms, 3.30% at 12 months. The $10,000 minimum sits well above peer promotional thresholds ($100–$500 range). No effective date rendered on the rate page. No end date disclosed. [Verify]
CapEd certificate rates unavailable — rate page failed to render 2026-08-15.
Tech CU own-institution nonstandard items:
- Liquid Certificates — 3.65% APY, 3/4/5-month terms, $1,000 min, new-money-only (21-day funding window). Limited-withdrawal structure; not directly comparable to conventional certificates. Effective 2026-06-01. [Verify — page render did not resolve location state]
- Idaho 12-month geo promo — 4.25% APY, Ada/Canyon County eligibility only. Standing 4.00% + 25bps geographic bump. No end date posted. Effective 2026-07-01. [Verify] Grace-period members in Ada/Canyon County encounter 4.25%, not 4.00%.
Verification queue, next collection:
- Provident: obtain source-effective date for Pick-A-Term
- Stanford: confirm 2026-09-14 window still open
- CapEd: re-attempt certificate rate page render
- Tech CU Liquid Cert: re-render with California ZIP to resolve location state