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Rates in Texas
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
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- Unlimited funds can be withdrawn without penalty six days after certificate opening.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.
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|---|---|---|---|
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Term
3 Month
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Dividend Rate
3.698%
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Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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Term
4 Month
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Dividend Rate
3.704%
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Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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Term
5 Month
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Dividend Rate
3.710%
|
Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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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.
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|---|---|---|---|
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Term
3 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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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
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Term
10 Month
|
Dividend Rate
3.738%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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|
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
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Term
18 Month
|
Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
24 Month
|
Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
|
Effective Date
08/05/2025
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Term
36 Month
|
Dividend Rate
3.941%
|
Annual Percentage Yield
4.00%
|
Effective Date
08/05/2025
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Term
48 Month
|
Dividend Rate
3.941%
|
Annual Percentage Yield
4.00%
|
Effective Date
08/05/2025
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Term
60 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Jumbo Consumer Certificates and Jumbo IRA Certificates
- $95,000.00 minimum balance to open a Jumbo Certificate or Jumbo IRA Certificate.
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|---|---|---|---|
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Term
15 Day
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Dividend Rate
0.300%
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Annual Percentage Yield
0.30%
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Effective Date
08/05/2025
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Term
1 Month
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Dividend Rate
0.349%
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Annual Percentage Yield
0.35%
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Effective Date
08/05/2025
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Term
2 Month
|
Dividend Rate
0.449%
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Annual Percentage Yield
0.45%
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Effective Date
08/05/2025
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Term
3 Month
|
Dividend Rate
3.941%
|
Annual Percentage Yield
4.00%
|
Effective Date
08/05/2025
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Term
5 Month
|
Dividend Rate
3.954%
|
Annual Percentage Yield
4.00%
|
Effective Date
08/05/2025
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Term
6 Month
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Dividend Rate
3.961%
|
Annual Percentage Yield
4.00%
|
Effective Date
08/05/2025
|
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Term
9 Month
|
Dividend Rate
3.980%
|
Annual Percentage Yield
4.00%
|
Effective Date
08/05/2025
|
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Term
10 Month
|
Dividend Rate
3.738%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
12 Month
|
Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
17 Month*
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Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
18 Month
|
Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
24 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
36 Month
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Dividend Rate
3.941%
|
Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
48 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
60 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
|
Effective Date
08/05/2025
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Savings
Membership Share Savings Accounts
- $25.00 minimum balance to open, maintain account and earn dividends.
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|---|---|---|---|
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Balance Tiers
$25.00 to $2,499.99
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Dividend Rate
0.200%
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Annual Percentage Yield
0.20%
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Effective Date
08/05/2025
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Balance Tiers
$2,500.00 and above
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Dividend Rate
0.200%
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Annual Percentage Yield
0.20%
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Effective Date
08/05/2025
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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.
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Annual Percentage Yield |
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|---|---|---|---|
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Balance Tiers
$0.01 - $2,499.99
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Dividend Rate
0.000%
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Annual Percentage Yield 0.00%
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Effective Date
08/05/2025
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Balance Tiers
$2,500.00 - $24,999.99
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Dividend Rate
0.499%
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Annual Percentage Yield 0.50%
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Effective Date
08/05/2025
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Balance Tiers
$25,000.00 - $49,999.99
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Dividend Rate
0.847%
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Annual Percentage Yield 0.85%
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Effective Date
08/05/2025
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Balance Tiers
$50,000.00 - $99,999.99*
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Dividend Rate
0.995%
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Annual Percentage Yield 1.00%
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Effective Date
08/05/2025
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Balance Tiers
$100,000.00 - $149,999.99*
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Dividend Rate
1.243%
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Annual Percentage Yield 1.25%
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Effective Date
08/05/2025
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Balance Tiers
$150,000.00 - $299,999.99*
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Dividend Rate
1.490%
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Annual Percentage Yield 1.50%
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Effective Date
08/05/2025
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Balance Tiers
$300,000.00 - $499,999.99*
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Dividend Rate
1.884%
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Annual Percentage Yield 1.90%
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Effective Date
08/05/2025
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Balance Tiers
$500,000.00 - $999,999.99*
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Dividend Rate
1.933%
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Annual Percentage Yield 1.95%
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Effective Date
08/05/2025
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Balance Tiers
$1,000,000.00 and above*
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Dividend Rate
2.031%
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Annual Percentage Yield 2.05%
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Effective Date
08/05/2025
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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.
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|---|---|---|
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Dividend Rate
0.200%
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Annual Percentage Yield
0.20%
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Effective Date
08/05/2025
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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.)
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|---|---|---|---|
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Balance Tiers
$0.01 to $2,500.00
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Dividend Rate
0.399%
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Annual Percentage Yield
0.40%
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Effective Date
08/05/2025
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Balance Tiers
$2,500.01 and above
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Dividend Rate
0.499%
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Annual Percentage Yield
0.50%
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Effective Date
08/05/2025
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Student Savings Account
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|---|---|---|---|
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Balance Tiers
$25.00 to $2,499.99
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Dividend Rate
0.200%
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Annual Percentage Yield
0.20%
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Effective Date
08/05/2025
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Balance Tiers
$2,500.00 and above
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Dividend Rate
0.200%
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Annual Percentage Yield
0.20%
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Effective Date
08/05/2025
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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
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|---|---|---|---|---|
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Account Types
Basic Checking
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Amount
N/A
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Dividend Rate
N/A
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Annual Percentage Yield
N/A
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Effective Date
N/A
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Account Types
Interest Checking
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Amount
$0.01 - $1,499.99
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Dividend Rate
0.000%
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Annual Percentage Yield
0.00%
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Effective Date
08/05/2025
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Account Types
Interest Checking
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Amount
$1,500.00 and above
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Dividend Rate
0.100%
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Annual Percentage Yield
0.10%
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Effective Date
08/05/2025
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Student Checking Account
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|---|---|---|---|---|
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Account Types
Basic Checking
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Amount
N/A
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Dividend Rate
N/A
|
Annual Percentage Yield
N/A
|
Effective Date
N/A
|
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Account Types
Interest Checking
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Amount
$0.01 - $1,499.99
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Dividend Rate
0.000%
|
Annual Percentage Yield
0.00%
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Effective Date
08/05/2025
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Account Types
Interest Checking
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Amount
$1,500.00 and above
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Dividend Rate
0.100%
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Annual Percentage Yield
0.10%
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Effective Date
08/05/2025
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|---|---|---|---|---|
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Term1
12 - 36 months
|
Mininum Loan Amount2
5,000
|
Annual Percentage Rate3
5.49% - 14.49%
|
Example: Payment Per $10004
$34.42
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Effective Date
08/01/2025
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Term1
37 - 48 months
|
Mininum Loan Amount2
5,000
|
Annual Percentage Rate3
5.49% - 14.49%
|
Example: Payment Per $10004
$27.57
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Effective Date
08/01/2025
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Term1
49 - 66 months
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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
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|---|---|---|---|---|
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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
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Consumer Accounts Rate Sheet
Consumer Loans Rate Sheet
