Visit our new branch in Meridian @ Eagle Island Marketplace!

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Idaho grand opening

Rates in Idaho

Tech CU offers competitive rates on accounts, consumer loans, mortgages and home equity loans and credit lines. Find the most recent rates for our products here.

Certificates

Celebrate our new Meridian branch with a special Certificate rate bump! Grand Opening Offers

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  • Unlimited funds can be withdrawn without penalty six days after certificate opening.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

Annual Percentage Yield (APY) is accurate as of effective date and may change at any time. APY is available to Tech CU members who deposit and maintain a minimum of $1,000 of “new-to-Tech CU” money into a new Liquid Certificate account, meaning the total deposit must have come from a source external to Tech CU within the twenty-one (21) days preceding the opening of the Certificate. No maximum deposit applies. Penalties will be imposed for early withdrawals. See Tech CU’s Truth in Savings Account Disclosure for more details.

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

Celebrate our new Meridian branch with a $500 bonus! Grand Opening Offers

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

Celebrate our new Meridian branch with a rate discount off already great auto rates! Grand Opening Offers

New Auto Loan Rates

Apply NowMake 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
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

Celebrate our new Meridian branch with $650 back at closing and no lender fees! Grand Opening Offers

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

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