Rates

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Tech CU offers competitive rates on Certificates, Savings Accounts, Checking Accounts, Auto Loans, Mortgages, Consumer Loans, and home equity loans and credit lines (in California). Find the most recent rates for our products here.

Savings
Checking
Loans

Certificates

Liquid Certificate

Liquid Certificates offer members a choice of three short-term certificates (3, 4 and 5-month terms) at a competitive rate while providing easy and flexible access to the Certificate deposit.

Minimum opening balance of $1,000 in “new to Tech CU” money.
Make unlimited “new-to-Tech CU” deposits.
Unlimited funds can be withdrawn without penalty six days after certificate opening. However, a minimum of $1,000 must be maintained in the account.
One withdrawal per calendar month may be made during the term of the Certificate.
Withdrawals must be made more than six days apart irrespective of the month in which they are made.

Term	Dividend Rate	Annual Percentage Yield	Effective Date
Term 3 Month	Dividend Rate 3.698%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 4 Month	Dividend Rate 3.704%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 5 Month	Dividend Rate 3.710%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025

Consumer Certificates and IRA Certificates

$1,000.00 minimum balance to open a Certificate.

Term	Dividend Rate	Annual Percentage Yield	Effective Date
Term 3 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 5 Month	Dividend Rate 3.954%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 6 Month	Dividend Rate 3.961%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 9 Month	Dividend Rate 3.980%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 10 Month	Dividend Rate 3.738%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 12 Month	Dividend Rate 3.698%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 15 Month	Dividend Rate 3.698%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 17 Month*	Dividend Rate 3.698%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 18 Month	Dividend Rate 3.698%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 24 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 36 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 48 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 60 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025

Jumbo Consumer Certificates and Jumbo IRA Certificates

$95,000.00 minimum balance to open a Jumbo Certificate or Jumbo IRA Certificate.

Term	Dividend Rate	Annual Percentage Yield	Effective Date
Term 15 Day	Dividend Rate 0.300%	Annual Percentage Yield 0.30%	Effective Date 08/05/2025
Term 1 Month	Dividend Rate 0.349%	Annual Percentage Yield 0.35%	Effective Date 08/05/2025
Term 2 Month	Dividend Rate 0.449%	Annual Percentage Yield 0.45%	Effective Date 08/05/2025
Term 3 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 5 Month	Dividend Rate 3.954%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 6 Month	Dividend Rate 3.961%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 9 Month	Dividend Rate 3.980%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 10 Month	Dividend Rate 3.738%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 12 Month	Dividend Rate 3.698%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 17 Month*	Dividend Rate 3.698%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 18 Month	Dividend Rate 3.698%	Annual Percentage Yield 3.75%	Effective Date 08/05/2025
Term 24 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 36 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 48 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025
Term 60 Month	Dividend Rate 3.941%	Annual Percentage Yield 4.00%	Effective Date 08/05/2025

Savings

Membership Share Savings Accounts

$25.00 minimum balance to open, maintain account and earn dividends.

Balance Tiers	Dividend Rate	Annual Percentage Yield	Effective Date
Balance Tiers $25.00 to $2,499.99	Dividend Rate 0.200%	Annual Percentage Yield 0.20%	Effective Date 08/05/2025
Balance Tiers $2,500.00 and above	Dividend Rate 0.200%	Annual Percentage Yield 0.20%	Effective Date 08/05/2025

Money Market Plus Accounts

TIERED EARNINGS
$0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account.

Balance Tiers	Dividend Rate	Annual Percentage Yield	Effective Date
Balance Tiers $0.01 - $2,499.99	Dividend Rate 0.000%	Annual Percentage Yield 0.00%	Effective Date 08/05/2025
Balance Tiers $2,500.00 - $24,999.99	Dividend Rate 0.499%	Annual Percentage Yield 0.50%	Effective Date 08/05/2025
Balance Tiers $25,000.00 - $49,999.99	Dividend Rate 0.847%	Annual Percentage Yield 0.85%	Effective Date 08/05/2025
Balance Tiers $50,000.00 - $99,999.99*	Dividend Rate 0.995%	Annual Percentage Yield 1.00%	Effective Date 08/05/2025
Balance Tiers $100,000.00 - $149,999.99*	Dividend Rate 1.243%	Annual Percentage Yield 1.25%	Effective Date 08/05/2025
Balance Tiers $150,000.00 - $299,999.99*	Dividend Rate 1.490%	Annual Percentage Yield 1.50%	Effective Date 08/05/2025
Balance Tiers $300,000.00 - $499,999.99*	Dividend Rate 1.884%	Annual Percentage Yield 1.90%	Effective Date 08/05/2025
Balance Tiers $500,000.00 - $999,999.99*	Dividend Rate 1.933%	Annual Percentage Yield 1.95%	Effective Date 08/05/2025
Balance Tiers $1,000,000.00 and above*	Dividend Rate 2.031%	Annual Percentage Yield 2.05%	Effective Date 08/05/2025

This information is part of our Truth in Savings Disclosure. Please refer to your Consumer Membership Agreement for additional account information.

Individual Retirement Accounts

$25.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.

Dividend Rate	Annual Percentage Yield	Effective Date
Dividend Rate 0.200%	Annual Percentage Yield 0.20%	Effective Date 08/05/2025

Health Savings Accounts

Tiered Earnings

$0.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.

(Note: if the balance is $2,500.01 or higher, the first $2,500.00 in the account will earn the rate for balances up to $2,500.00 and the balance over $2,500.00 will earn the rate for balances over $2,500.00.)

Balance Tiers	Dividend Rate	Annual Percentage Yield	Effective Date
Balance Tiers $0.01 to $2,500.00	Dividend Rate 0.399%	Annual Percentage Yield 0.40%	Effective Date 08/05/2025
Balance Tiers $2,500.01 and above	Dividend Rate 0.499%	Annual Percentage Yield 0.50%	Effective Date 08/05/2025

Student Savings Account

Balance Tiers	Dividend Rate	Annual Percentage Yield	Effective Date
Balance Tiers $25.00 to $2,499.99	Dividend Rate 0.200%	Annual Percentage Yield 0.20%	Effective Date 08/05/2025
Balance Tiers $2,500.00 and above	Dividend Rate 0.200%	Annual Percentage Yield 0.20%	Effective Date 08/05/2025

Checking

Checking (Share Draft) Accounts

$0.00 minimum balance to open account.
$0.01 minimum balance to maintain account.
$1,500 minimum balance to earn dividends on Interest Checking

Account Types	Amount	Dividend Rate	Annual Percentage Yield	Effective Date
Account Types Basic Checking	Amount N/A	Dividend Rate N/A	Annual Percentage Yield N/A	Effective Date N/A
Account Types Interest Checking	Amount $0.01 - $1,499.99	Dividend Rate 0.000%	Annual Percentage Yield 0.00%	Effective Date 08/05/2025
Account Types Interest Checking	Amount $1,500.00 and above	Dividend Rate 0.100%	Annual Percentage Yield 0.10%	Effective Date 08/05/2025

Student Checking Account

Account Types	Amount	Dividend Rate	Annual Percentage Yield	Effective Date
Account Types Basic Checking	Amount N/A	Dividend Rate N/A	Annual Percentage Yield N/A	Effective Date N/A
Account Types Interest Checking	Amount $0.01 - $1,499.99	Dividend Rate 0.000%	Annual Percentage Yield 0.00%	Effective Date 08/05/2025
Account Types Interest Checking	Amount $1,500.00 and above	Dividend Rate 0.100%	Annual Percentage Yield 0.10%	Effective Date 08/05/2025

Loans

New Auto Loan Rates

Apply Now Make an Appointment

Term¹	Mininum Loan Amount²	Annual Percentage Rate³	Example: Payment Per $1000⁴	Effective Date
Term¹ 12 - 36 months	Mininum Loan Amount² 5,000	Annual Percentage Rate³ 5.49% - 14.49%	Example: Payment Per $1000⁴ $34.42	Effective Date 08/01/2025
Term¹ 37 - 48 months	Mininum Loan Amount² 5,000	Annual Percentage Rate³ 5.49% - 14.49%	Example: Payment Per $1000⁴ $27.57	Effective Date 08/01/2025
Term¹ 49 - 66 months	Mininum Loan Amount² 5,000	Annual Percentage Rate³ 5.49% - 14.49%	Example: Payment Per $1000⁴ $22.07	Effective Date 08/01/2025
Term¹ 67 - 72 months	Mininum Loan Amount² 15,000	Annual Percentage Rate³ 5.74% - 14.74%	Example: Payment Per $1000⁴ $21.00	Effective Date 08/01/2025
Term¹ 73 - 84 months	Mininum Loan Amount² 25,000	Annual Percentage Rate³ 6.24% - 7.74%	Example: Payment Per $1000⁴ $15.46	Effective Date 08/01/2025

Used Auto Rates

Apply Now Make an Appointment

Term¹	Mininum Loan Amount²	Annual Percentage Rate³	Example: Payment Per $1000⁴	Effective Date
Term¹ 12 - 36 months	Mininum Loan Amount² 5,000	Annual Percentage Rate³ 5.74% - 14.99%	Example: Payment Per $1000⁴ $34.66	Effective Date 08/01/2025
Term¹ 37 - 48 months	Mininum Loan Amount² 5,000	Annual Percentage Rate³ 5.74% - 14.99%	Example: Payment Per $1000⁴ $27.83	Effective Date 08/01/2025
Term¹ 49 - 66 months	Mininum Loan Amount² 5,000	Annual Percentage Rate³ 5.74% - 14.99%	Example: Payment Per $1000⁴ $22.34	Effective Date 08/01/2025
Term¹ 67 - 72 months	Mininum Loan Amount² 15,000	Annual Percentage Rate³ 5.99% - 15.24%	Example: Payment Per $1000⁴ $21.28	Effective Date 08/01/2025
Term¹ 73 - 84 months	Mininum Loan Amount² 25,000	Annual Percentage Rate³ 6.49% - 7.99%	Example: Payment Per $1000⁴ $15.58	Effective Date 08/01/2025

Mortgage Rates

Available in: California, Arizona, Oregon, and Washington

Celebrate our 65th Anniversary with $650 back at closing and no lender fees! Learn More About Mortgage Rates

View Rates Learn More or Apply Now Find a Mortgage Consultant

Home Equity Line of Credit

Apply Now Make an Appointment

Call with questions: (877) 988-0471

Available Credit Limits	Maximum LTV¹	Annual Percentage Rate²	Effective Date
Available Credit Limits $10,000 - $250,000	Maximum LTV¹ 80%	Annual Percentage Rate² 7.50%	Effective Date 08/01/2025
Available Credit Limits $250,001 - $500,000	Maximum LTV¹ 70%	Annual Percentage Rate² 8.00%	Effective Date 08/01/2025
Available Credit Limits $500,001 - $750,000	Maximum LTV¹ 60%	Annual Percentage Rate² 8.00%	Effective Date 08/01/2025

Home and Investment Property Equity Loans

Apply Now Make an Appointment

Call with questions: (877) 988-0471

Term In Months	Maximum LTV¹	Amount	Annual Percentage Rate	Example Payment per $1000²	Occupancy	Effective Date
Term In Months 12 - 180	Maximum LTV¹ 70%	Amount $25,000 - $250,000	Annual Percentage Rate 7.125%	Example Payment per $1000² $9.06	Occupancy Owner Occupied	Effective Date 08/01/2025
Term In Months 181 - 240	Maximum LTV¹ 70%	Amount $25,000 - $250,000	Annual Percentage Rate 7.750%	Example Payment per $1000² $8.21	Occupancy Owner Occupied	Effective Date 08/01/2025
Term In Months 12 - 180	Maximum LTV¹ 60%	Amount $25,000 - $150,000	Annual Percentage Rate 7.625%	Example Payment per $1000² $9.34	Occupancy Non-Owner Occupied	Effective Date 08/01/2025
Term In Months 181 - 240	Maximum LTV¹ 60%	Amount $25,000 - $150,000	Annual Percentage Rate 8.250%	Example Payment per $1000² $8.52	Occupancy Non-Owner Occupied	Effective Date 08/01/2025

View All Rates

GENERAL INFORMATION: APY means annual percentage yield. Unless otherwise noted, (a) accounts have variable rates, meaning that the rate can change at any time at the discretion of the Tech CU Board of Directors after the account is opened, and (b) rates are accurate as of the most recent dividend declaration date and subject to change. Certificate rates are accurate as of the effective date of this disclosure and are subject to change at any time. Call (408) 451-9111 or (800) 553-0880 for current rates. Fees may reduce earnings on all account types that earn dividends. When a Certificate is opened, the rate is fixed for the term of the Certificate. Early withdrawal penalties apply to Certificates. Early IRA withdrawals may be subject to tax penalty. Ask a Tech CU representative for information about federal insurance on accounts with balances in excess of $250,000.00.

Technology Credit Union accounts are federally insured to at least $250,000.00 by the National Credit Union Administration, a U.S. Government agency.

Rates

Share Your Location:

Certificates

Liquid Certificate

Consumer Certificates and IRA Certificates

Jumbo Consumer Certificates and Jumbo IRA Certificates

Savings

Membership Share Savings Accounts

Money Market Plus Accounts

Individual Retirement Accounts

Health Savings Accounts

Tiered Earnings

Student Savings Account

Checking

Checking (Share Draft) Accounts

Student Checking Account

Loans

New Auto Loan Rates

Used Auto Rates

Mortgage Rates

Home Equity Line of Credit

Home and Investment Property Equity Loans

View All Rates

Consumer Accounts Rate Sheet

Consumer Loans Rate Sheet

Business Accounts Rates & Yields

Mortgage

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