• Business Certificates

    If you're looking for a higher rate of return, consider our Business Certificates.

    If you're looking for a higher rate of return, a Business Certificate is a great way to get the most out of your money.

    You also have the option of depositing your earned dividends into your Tech CU Savings or Checking Account monthly (available on certificates with terms of 6 months or longer). The dividends can also be reinvested into the certificate upon maturity.

    View Rates

    Types of Business Certificates

    Business Liquid Certificate

    Business Liquid Certificates offer members a choice of three short-term certificates (3, 4 and 5-month terms) at a competitive rate of 4.50% APY* while providing easy and flexible access to the Certificate deposit.

    • Minimum Opening balance of $95,000 in “new to Tech CU”** money.
    • Additional money can be deposited at any time during the term.
    • Funds can be withdrawn without penalty six days after certificate opening. However, a minimum of $95,000 must be maintained in the account.
    • One withdrawal per calendar month may be made during the term of the Certificate if it is made six days apart from any previous withdrawal, irrespective of the month in which the withdrawal is being made.

  • Business Liquid Certificate Rates

    TermDividend RateAnnual Percentage YieldEffective Date
    3 Months4.426%4.50%08/01/2024
    4 Months4.434%4.50%08/01/2024
    5 Months4.442%4.50%08/01/2024

    *Annual Percentage Yield (APY)

    ** “New-to-Tech CU money” means funds from a source external to Tech CU deposited into a member’s account within 21 days of new Certificate opening. No maximum deposit applies.

    APY is available to Tech CU business members who either (a) deposit and maintain a minimum of $95,000 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 or (b) reinvest a minimum of $95,000 from a qualifying maturing business certificate. Rates and terms subject to change without prior notice and may not be combined with other offers. If the Certificate is closed before it matures, dividends will be forfeited. Penalties will be imposed for early withdrawals. See Tech CU’s Business Membership Account Agreements and Disclosures for more details.

  • Open your Certificate today! Visit a Branch or contact our Cash Management Services line @ 408-441-4752.

     

  • Flextime Certificates ($1,000 or more)

    TermDividend RateAnnual Percentage YieldEffective Date
    14 - 29 daysN/AN/AN/A
    1 monthN/AN/AN/A
    2 monthsN/AN/AN/A
    3 - 5 months2.231%2.25%08/01/2024
    5 Months4.929%5.00%08/01/2024
    6 - 8 months2.485%2.50%08/01/2024
    9 - 11 months2.741%2.75%08/01/2024
    10 months4.980%5.00%08/01/2024
    12 - 17 months3.455%3.50%08/01/2024
    15 months4.668%4.75%08/01/2024
    17 Months*4.668%4.75%08/01/2024
    18 - 23 months3.455%3.50%08/01/2024
    18 month Raise My Rate**3.455%3.50%08/01/2024
    24 - 35 months3.455%3.50%08/01/2024
    24 month Raise My Rate**3.455%3.50%08/01/2024
    36 - 47 months3.455%3.50%08/01/2024
    48 - 59 months3.455%3.50%08/01/2024
    60 months3.601%3.65%08/01/2024

    Annual Percentage Yield is accurate as of the effective date. No maximum deposit applies. Penalties will be imposed for early withdrawals. See Tech CU's Truth in Savings Account Disclosure for more details.

    * Available to Tech CU members who deposit and maintain a minimum of $1000 of "new to Tech CU" money into a new Certificate account, meaning the total deposit must come from a source external to Tech CU within the 21 (twenty-one) days preceding the opening of the Certificate.

    ** No exceptions or adjustments are allowed on Raise My Rate Certificates. The Raise My Rate (RMR) certificate is a share certificate that allows you to increase your rate once any time after the Certificate has been open at least seven days but prior to the end of the initial term.

  • Jumbo Certificates ($95,000 or more)

    TermDividend RateAnnual Percentage YieldEffective Date
    14 - 29 days0.300%0.30%08/01/2024
    1 month0.349%0.35%08/01/2024
    2 months0.449%0.45%08/01/2024
    3 - 5 months2.231%2.25%08/01/2024
    5 Months4.929%5.00%08/01/2024
    6 - 8 months2.485%2.50%08/01/2024
    9 - 11 months2.741%2.75%08/01/2024
    10 months4.980%5.00%08/01/2024
    12 - 17 months3.455%3.50%08/01/2024
    17 Months*4.668%4.75%08/01/2024
    18 - 23 months3.455%3.50%08/01/2024
    18 month Raise My Rate**3.455%3.50%08/01/2024
    24 - 35 months3.455%3.50%08/01/2024
    24 month Raise My Rate**3.455%3.50%08/01/2024
    36 - 47 months3.455%3.50%08/01/2024
    48 - 59 months3.455%3.50%08/01/2024
    60 months3.601%3.65%08/01/2024

    Annual Percentage Yield is accurate as of the effective date. No maximum deposit applies. Penalties will be imposed for early withdrawals. See Tech CU's Truth in Savings Account Disclosure for more details.

    * Available to Tech CU members who deposit and maintain a minimum of $1000 of "new to Tech CU" money into a new Certificate account, meaning the total deposit must come from a source external to Tech CU within the 21 (twenty-one) days preceding the opening of the Certificate.

    ** No exceptions or adjustments are allowed on Raise My Rate Certificates. The Raise My Rate (RMR) certificate is a share certificate that allows you to increase your rate once any time after the Certificate has been open at least seven days but prior to the end of the initial term.

  • OPEN YOUR ACCOUNT TODAY

    Contact a Commercial Banker at (800) 553-0880 to get started, or fill out our Contact Form. You can expect a response within 1-2 business days.

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