NOTICE: Good news! Our Milpitas, Sunnyvale, and Palo Alto branches have reopened, observing safety protocols. We can’t wait to see you! Our San Francisco branch remains temporarily closed. As more members opt for non-face-to-face interactions, you may experience longer hold times when calling our Member Contact Center. We apologize for this inconvenience. Click here for open branch locations and hours.

  • How We Compare

    Bank where you’re a name, not a number.

    First and foremost, we're a not-for-profit that exists solely for the benefit of our members. Instead of paying profits to stockholders, we invest our resources to deliver lower loan rates, low fees and outstanding, personalized service.

    And, while we are small enough to provide the service you need, we also offer all the access and convenience you'd expect of a big bank:

    • Competitive rates and a full suite of loans and products for all of your financial needs.
    • Convenient 24/7 Access - Free Online Banking including budgeting tools and customizable alerts. Plus, Mobile Banking offering free Mobile Deposit.
    • Over 65,000 fee-free ATMs worldwide - More than Chase, Wells Fargo and Bank of America combined.
    • Free credit score and monitoring - Exclusive offers just for you.
    • Space you can use - Reserve a conference room or hoteling station at one of our branches for personal use.
    • Easy online appointment booking - Meet with in-house experts (savings, loans, investments and more).
    • No more waiting on hold - Skip our phone menu and have us call you back with our Call Me service.
    • Tech Live Connect - Video conferencing at our San Jose, Fremont or San Francisco branches with a financial advisor or mortgage consultant.

    You've got better things to do than worry about your money. Let us help you manage your financial life. We've got your best interests at heart.

    Fee Comparisons*



    Tech CU


    Bank of America


    Wells Fargo




    Bank of the West



    Monthly Minimum Service Charge 1 $0 - $6   $12 - $25 $10 - $15 $0 - $35 $10 - $25


    Monthly Minimum Balance Fee No Fee   $5 - $8 $5 - $12 $5 - $20 $5 - $15
    Excess Withdrawal Fee/Reg D** No Fee   $10 $15 $5 $15

    ATM & Debit Cards

    ATM Balance Inquiry (Foreign ATM) No Fee   $5.00 $2 $2.50 $2.50
    Non-Tech CU ATM Transaction Fee No Fee   $2.50 $2.50 $2.50 $2.50
    ATM Surcharge - Non-Member Foreign $3   $5.00 $2.50 $5.00 $2.50


    Stop Payment Checks $15   $30 $31 $25 - $30 $35
    Wire Transfer - Incoming No Fee   $15 $15 $15 $15
    Wire Transfer - Domestic Outgoing 2 $0 or $20   $45 $30 $25 - $35 $35
    Overdraft Transfer Fee No Fee   $12 $12.50 $10 $12
    Insufficient Funds (NSF Fee) $28   $35 $35 $34 $31 - $35
    Insufficient Funds - Paid item (NSF Fee) $28   $35 $35 $34 $31 - $35
    Official/Corporate Checks $5   $10 $10 $8 $10
    Telephone Service Inquiries/Transaction No Fee   N/A $2 N/A N/A
Give us a call

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We look forward to chatting with you.

(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

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We’re here to serve your needs in person at our San Jose Headquarters. Visit us at 2010 N. First Street, San Jose, CA 95131.
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