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  • Certificates

    A longer term, higher yield savings vehicle.

    When you're looking for a higher rate of return and don't mind "parking" your money for a while, consider a Certificate Account. Dividends are earned for each day that your money remains in the account, and are calculated using the Daily Balance Method.

    Raise My Rate

    Once during the term of your Certificate, you can actually raise the rate.**

    • Minimum opening balance of $1,000; $95,000 minimum for Jumbo
    • 18 month Certificate, 2.35% APY
    • 24-month Certificate, 2.50% APY

    Let's say you open an 18-month Certificate earning 2.35%. Rates go up after six months — you have the option of moving to a higher rate.

    Open your account online

    Existing members, for your convenience you can open up a new Certificate Account using Online Banking . New to Tech CU? Please visit us at one our branches or make an appointment to schedule a time that is convenient for you.

    Early withdrawal penalties apply.

    Member CERTIFICATES

    Certificates and IRA Certificates

    ($1,000 or more)

    Jumbo Certificates and Jumbo IRA Certificates

    ($95,000 or more)

    Term Dividend Rate Annual Percentage Yield* Dividend Rate Annual Percentage Yield*
    14 - 29 days N/A N/A 1.000% 1.00%
    1 month N/A N/A 1.050% 1.05%
    2 months N/A N/A 1.150% 1.15%
    3 months - 5 months 1.250% 1.25% 1.250% 1.25%
    6 months - 8 months 1.550% 1.55% 1.550% 1.55%
    9 months - 11 months 1.600% 1.60% 1.600% 1.60%
    12 months - 17 months 2.231% 2.25% 2.231% 2.25%
    18 months - 23 months 2.330% 2.35% 2.330% 2.35%
    18 month Raise My Rate** 2.330% 2.35% 2.330% 2.35%
    24 months - 35 months 2.477% 2.50% 2.477% 2.50%
    24 month Raise My Rate** 2.477% 2.50% 2.477% 2.50%
    36 months - 47 months 2.526% 2.55% 2.526% 2.55%
    48 months - 59 months 2.575% 2.60% 2.575% 2.60%
    60 months 2.722% 2.75% 2.722% 2.75%
    **Product not available for IRA share certificates. No exceptions or adjustments are allowed on Raise My Rate Certificates. The Raise My Rate (RMR) certificate is a share certificate that can be traded in or raised into another certificate once during the term of the RMR certificate. The term of the raised/new certificate must be equal to or greater than the remaining term on the RMR certificate.
    tech-cu-icon-calculator
    Calculate how much your Certificate will be worth at maturity.

    Open your account online

    Existing members, for your convenience you can open up a new Certificate Account using Online Banking . New to Tech CU? Please visit us at one our branches or make an appointment to schedule a time that is convenient for you.

Give Us a Call

We look forward to chatting with you.

(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

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