NOTICE: Our Campbell, Sunnyvale, and San Francisco branches are temporarily closed due to shelter in place guidelines and the occasional impact this has on our ability to staff all of our branches. The following branches are open: Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa. Branch ATMs remain operational. Click here for branch locations and hours.

  • Individual Retirement Accounts (IRA)

    The CARES Act (Coronavirus Aid, Relief and Economic Security Act) and the SECURE Act (Setting Every Community Up for Retirement Enhancement Act), contain important provisions that affect IRA distributions and contribution age limit. Click below to learn more.

    [ + ] CARES Act Impact to IRAs

    [ + ] SECURE Act Impact to IRAs

     

    Lower your tax burden and save for retirement by investing in an IRA savings and IRA certificate account.

    IRA Savings

    With Tech CU IRA Savings Accounts you can deposit up to the annual contribution limit and earn high dividends.

     
    • 0.200% dividend rate (0.20% Annual Percentage Yield)
    • $25 initial deposit
    • $0.01 minimum balance requirement
    • No annual maintenance fees
    • Dividends calculated daily and paid quarterly

    IRA Certificates

    Tech CU offers two kinds of IRA Certificates - regular and jumbo - depending on how much you want to invest. Both options are available in Traditional and Roth.

    Visit Retirement Central for:

    • Additional Information on IRA products & services.
    • Articles on retirement planning and life changes.
    • Online help with completing forms for new and existing IRAs.
    • Retirement planning tools and calculators.

    IRA Certificates and IRA Jumbo Certificates
    Term Certificates
    Dividend Rate

    ($1,000 or more)
    Certificates
    Annual Percentage Yield*

    ($1,000 or more)
    Effective Date
    ($1,000 or more)
    Jumbo Certificates
    Dividend Rate

    ($95,000 or more) 
    Jumbo Certificates
    Annual Percentage Yield*

    ($95,000 or more)
    Effective Date
    ($95,000 or more)
    14 - 29 days N/A N/A N/A 0.050% 0.05% 9/1/2020
    1 month N/A N/A N/A 0.100% 0.10% 9/1/2020
    2 months N/A N/A N/A 0.200% 0.20% 9/1/2020
    3 - 5 months 0.300% 0.30% 9/1/2020 0.300% 0.30% 9/1/2020
    6 - 8 months 0.549% 0.55% 9/1/2020 0.549% 0.55% 9/1/2020
    9 - 11 months 0.599% 0.60% 9/1/2020 0.599% 0.60% 9/1/2020
    12 - 17 months 0.897% 0.90% 9/1/2020 0.897% 0.90% 9/1/2020
    18 - 23 months 0.897% 0.90% 9/1/2020 0.897% 0.90% 9/1/2020
    24 - 35 months 0.947% 0.95% 9/1/2020 0.947% 0.95% 9/1/2020
    36 - 47 months 0.996% 1.00% 9/1/2020 0.996% 1.00% 9/1/2020
    48 - 59 months 1.046% 1.05% 9/1/2020 1.046% 1.05% 9/1/2020
    60 months 1.095% 1.10% 9/1/2020 1.095% 1.10% 9/1/2020

    For more information about our Individual Retirement Accounts, or to open an account stop by one of our branches or call us at (800) 553-0880 or (408) 451-9111.

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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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