Individual Retirement Accounts (IRAs)

Lower your tax burden and save for retirement by investing in a Tech CU Individual Retirement Account (IRA).

Visit Retirement Central for:

• Information on IRA products & services
• Articles on retirement planning and life changes
• Online help with completing forms for new and existing IRAs
• Retirement planning tools and calculators

Dividends earned on a Tech CU Certificate can be deposited into a Tech CU Savings or Checking Account, or reinvested into the certificate upon maturity. You also have the option to have your earned dividends deposited into your Tech CU Savings or Checking account on a monthly basis (available on certificates with a term of 6 months or longer).

Savings IRA

With a Tech CU Savings IRA, you can deposit up to the annual limit and earn higher dividends than with a regular savings. Available in Traditional and Roth. See Retirement Central for details.

• 0.200% dividend rate (0.200% Annual Percentage Yield)
• $25 initial deposit
• No minimum balance requirement
• No annual maintenance fees
• Dividends calculated daily and paid quarterly

IRA Certificates

Tech CU offers two kinds of IRA certificates: regular and jumbo, depending on the amount you want to invest. Both are available in Traditional and Roth. See Retirement Central for details.

6-Month Special Certificate Offer*

6-Month Special Certificate	Certificates ($1,000 or more)		Jumbo Certificates ($95,000 or more)
Term	Dividend Rate	Annual Percentage Yield*	Dividend Rate	Annual Percentage Yield*
181-270 days (6 months)	2.980%	3.000%	2.980%	3.000%

8-Month Special Certificate Offer*

8-Month Special Certificate	Certificates ($1,000 or more)		Jumbo Certificates ($95,000 or more)
Term	Dividend Rate	Annual Percentage Yield*	Dividend Rate	Annual Percentage Yield*
242 days (8 months)	3.580%	3.600%	3.580%	3.600%

4-year/5-year Special Certificate Offer*

4-year/5-year Special Certificate	Certificates ($1,000 or more)		Jumbo Certificates ($95,000 or more)
Term	Dividend Rate	Annual Percentage Yield*	Dividend Rate	Annual Percentage Yield*
1460/1825 days (4-years/5-years)	3.940%	4.000%	3.940%	4.000%

Certificates ($1,000 or more) Jumbo Certificates ($95,000 or more) Term Dividend Rate Annual Percentage Yield Dividend Rate Annual Percentage Yield 14 - 29 days N/A N/A 0.748% 0.750% 30 -  59 days N/A N/A 1.740% 1.750% 60-89 days N/A N/A 1.740% 1.750% 90 - 180 days (3 months) 1.985% 2.000% 1.985% 2.000% 181 - 270 days (6 months) 2.730% 2.750% 2.730% 2.750% 271 - 365 days (9 months) 1.998% 2.000% 1.998% 2.000% 366 - 545 days (1 year) 2.135% 2.150% 2.135% 2.150% 546 - 729 days (1 1/2 years) 2.235% 2.250% 2.235% 2.250% 2 years 2.480% 2.500% 2.480% 2.500% 3 years 2.970% 3.000% 2.970% 3.000% 4 years 3.700% 3.750% 3.700% 3.750% 5 years 3.700% 3.750% 3.700% 3.750%

Premier Member Rates with Relationship Rewards Bump Offer**

Premier Member Rates with Relationship Rewards Rate Bump Certificates ($1,000 or more) Jumbo Certificates ($95,000 or more) Term Dividend Rate Annual Percentage Yield** Dividend Rate Annual Percentage Yield** 14 - 29 days N/A N/A 0.995% 1.000% 30 -  59 days N/A N/A 1.985% 2.000% 60-89 days N/A N/A 1.990% 2.000% 90 - 180 days (3 months) 2.235% 2.250% 2.235% 2.250% 181 - 270 days (6 months) 2.980% 3.000% 2.980% 3.000% 271 - 365 days (9 months) 2.248% 2.250% 2.248% 2.250% 366 - 545 days (1 year) 2.380% 2.400% 2.380% 2.400% 546 - 729 days (1 1/2 years) 2.480% 2.500% 2.480% 2.500% 2 years 2.720% 2.750% 2.720% 2.750% 3 years 3.210% 3.250% 3.210% 3.250% 4 years 3.940% 4.000% 3.940% 4.000% 5 years 3.940% 4.000% 3.940% 4.000%

* APY=Annual Percentage Yield. Rate as of 6/13/2008. Rates and terms subject to change without notice.  $1,000 minimum. Maximum of $1,000,000 per member. 8-month Certificate rolls to 9-month Certificate at maturity. No additional rate increases or Relationship Rewards rate bumps. Offer subject to termination without notice. Early withdrawals are subject to a penalty.  

** APY=Annual Percentage Yield. Rate as of 6/13/2008. Rates and terms subject to change without notice. $1,000 minimum.  Rate shown reflects .25% bump for Premier Relationship Rewards level, requiring an aggregate balance of $100,000. Ask a Tech CU representative for details. Offer subject to termination without notice. Early withdrawals are subject to a penalty.  

 Your savings are federally insured to $100,000 by the National Credit Union Administration, a U.S. Government agency.