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Tech CU offers competitive rates on Certificates, Savings Accounts, Checking Accounts, Auto Loans, Mortgages, Consumer Loans, and home equity loans and credit lines (in California). 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  • Unlimited funds can be withdrawn without penalty six days after certificate opening.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.
Term Dividend Rate Annual Percentage Yield Effective Date
Term
3 Month
Dividend Rate
3.70%
Annual Percentage Yield
3.75%
Effective Date
11/01/2025
Term
4 Month
Dividend Rate
3.70%
Annual Percentage Yield
3.75%
Effective Date
11/01/2025
Term
5 Month
Dividend Rate
3.71%
Annual Percentage Yield
3.75%
Effective Date
11/01/2025

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.
Term Dividend Rate Annual Percentage Yield Effective Date
Term
3 Month
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
5 Month
Dividend Rate
3.56%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
6 Month
Dividend Rate
3.57%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
9 Month
Dividend Rate
3.73%
Annual Percentage Yield
3.75%
Effective Date
11/01/2025
Term
10 Month
Dividend Rate
3.59%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
12 Month
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
15 Month
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
17 Month*
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
18 Month
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
24 Month
Dividend Rate
3.80%
Annual Percentage Yield
3.85%
Effective Date
11/01/2025
Term
36 Month
Dividend Rate
3.80%
Annual Percentage Yield
3.85%
Effective Date
11/01/2025
Term
48 Month
Dividend Rate
3.80%
Annual Percentage Yield
3.85%
Effective Date
11/01/2025
Term
60 Month
Dividend Rate
3.80%
Annual Percentage Yield
3.85%
Effective Date
11/01/2025

Certificates renew automatically at maturity into the same term at the currently offered rate unless you request otherwise. For all certificates, dividends are calculated daily. On certificates with terms of one year or more, dividends are compounded and paid quarterly. On certificates less than one year, dividends are paid at maturity. Alternatively, for certificates with terms of at least six months that are opened in-person, dividends may be paid monthly into a Tech CU Checking or Savings account, if so elected. For Certificates opened online, if your certificate is not funded within 14 days from the date it is opened, it will be closed automatically. For all certificates, if you withdraw any portion of your principal before maturity, you may be charged early withdrawal penalties.

†APY – Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY) are subject to change at any time. Early withdrawal penalty may apply.

*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 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.

Jumbo Consumer Certificates and Jumbo IRA Certificates

  • $95,000.00 minimum balance to open a Jumbo Certificate or Jumbo IRA Certificate.
Term Dividend Rate Annual Percentage Yield Effective Date
Term
15 Day
Dividend Rate
0.30%
Annual Percentage Yield
0.30%
Effective Date
11/01/2025
Term
1 Month
Dividend Rate
0.35%
Annual Percentage Yield
0.35%
Effective Date
11/01/2025
Term
2 Month
Dividend Rate
0.45%
Annual Percentage Yield
0.45%
Effective Date
11/01/2025
Term
3 Month
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
5 Month
Dividend Rate
3.56%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
6 Month
Dividend Rate
3.57%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
9 Month
Dividend Rate
3.73%
Annual Percentage Yield
3.75%
Effective Date
11/01/2025
Term
10 Month
Dividend Rate
3.59%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
12 Month
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
17 Month*
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
18 Month
Dividend Rate
3.55%
Annual Percentage Yield
3.60%
Effective Date
11/01/2025
Term
24 Month
Dividend Rate
3.80%
Annual Percentage Yield
3.85%
Effective Date
11/01/2025
Term
36 Month
Dividend Rate
3.80%
Annual Percentage Yield
3.85%
Effective Date
11/01/2025
Term
48 Month
Dividend Rate
3.80%
Annual Percentage Yield
3.85%
Effective Date
11/01/2025
Term
60 Month
Dividend Rate
3.80%
Annual Percentage Yield
3.85%
Effective Date
11/01/2025

Certificates renew automatically at maturity into the same term at the currently offered rate unless you request otherwise. For all certificates, dividends are calculated daily. On certificates with terms of one year or more, dividends are compounded and paid quarterly. On certificates less than one year, dividends are paid at maturity. Alternatively, for certificates with terms of at least six months that are opened in-person, dividends may be paid monthly into a Tech CU Checking or Savings account, if so elected. For Certificates opened online, if your certificate is not funded within 14 days from the date it is opened, it will be closed automatically. For all certificates, if you withdraw any portion of your principal before maturity, you may be charged early withdrawal penalties.

†APY – Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY) are subject to change at any time. Early withdrawal penalty may apply.

*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 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.

Savings

Membership Share Savings Accounts

  • $25.00 minimum balance to open, maintain account and earn dividends.
Balance Tiers Dividend Rate Annual Percentage Yield Effective Date
Balance Tiers
$25.00 to $2,499.99
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Effective Date
11/01/2025
Balance Tiers
$2,500.00 and above
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Effective Date
11/01/2025

The Annual Percentage Yield (APY) offered on new accounts can change at any time and is subject to change after account opening. Fees may reduce earnings.

During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours, overdraft protection transfers or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or Online Banking transfers. You may make unlimited withdrawals in person, at ATMs, by written withdrawal request delivered by mail or messenger, or by telephone request to mail a check payable to you at your address on file with us. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the credit union. Rates/Programs are subject to change without notice.

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.
Balance Tiers Dividend Rate

Annual Percentage Yield

 		Effective Date
Balance Tiers
$0.01 - $2,499.99
Dividend Rate
0.00%

Annual Percentage Yield

0.00%
Effective Date
11/01/2025
Balance Tiers
$2,500.00 - $24,999.99
Dividend Rate
0.50%

Annual Percentage Yield

0.50%
Effective Date
11/01/2025
Balance Tiers
$25,000.00 - $49,999.99
Dividend Rate
0.85%

Annual Percentage Yield

0.85%
Effective Date
11/01/2025
Balance Tiers
$50,000.00 - $99,999.99*
Dividend Rate
1.00%

Annual Percentage Yield

1.00%
Effective Date
11/01/2025
Balance Tiers
$100,000.00 - $149,999.99*
Dividend Rate
1.24%

Annual Percentage Yield

1.25%
Effective Date
11/01/2025
Balance Tiers
$150,000.00 - $299,999.99*
Dividend Rate
1.49%

Annual Percentage Yield

1.50%
Effective Date
11/01/2025
Balance Tiers
$300,000.00 - $499,999.99*
Dividend Rate
1.88%

Annual Percentage Yield

1.90%
Effective Date
11/01/2025
Balance Tiers
$500,000.00 - $999,999.99*
Dividend Rate
1.93%

Annual Percentage Yield

1.95%
Effective Date
11/01/2025
Balance Tiers
$1,000,000.00 and above*
Dividend Rate
2.03%

Annual Percentage Yield

2.05%
Effective Date
11/01/2025

*For balances of $50,000 and up, receive a rate boost of 0.10% with a Tech CU Checking Account and direct deposit of a minimum net pay of $100. If you have a private banking relationship with us, we will automatically waive the direct deposit criteria beginning January 2, 2018 (minimum balance requirement of $50,000 still applies).

The Annual Percentage Yield (APY) offered on new accounts can change at any time and is subject to change after account opening. Fees may reduce earnings.

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.
Dividend Rate Annual Percentage Yield Effective Date
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Effective Date
11/01/2025

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.)

Balance Tiers Dividend Rate Annual Percentage Yield Effective Date
Balance Tiers
$0.01 to $2,500.00
Dividend Rate
0.40%
Annual Percentage Yield
0.40%
Effective Date
11/01/2025
Balance Tiers
$2,500.01 and above
Dividend Rate
0.50%
Annual Percentage Yield
0.50%
Effective Date
11/01/2025

Student Savings Account

Balance Tiers Dividend Rate Annual Percentage Yield Effective Date
Balance Tiers
$25.00 to $2,499.99
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Effective Date
11/01/2025
Balance Tiers
$2,500.00 and above
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Effective Date
11/01/2025

The Annual Percentage Yield (APY) offered on new accounts can change at any time and is subject to change after account opening. Fees may reduce earnings.

During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours, overdraft protection transfers or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or Online Banking transfers. You may make unlimited withdrawals in person, at ATMs, by written withdrawal request delivered by mail or messenger, or by telephone request to mail a check payable to you at your address on file with us. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the credit union. Rates/Programs are subject to change without notice.

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
Account Types Amount Dividend Rate Annual Percentage Yield Effective Date
Account Types
Basic Checking
Amount
N/A
Dividend Rate
N/A
Annual Percentage Yield
N/A
Effective Date
N/A
Account Types
Interest Checking
Amount
$0.01 - $1,499.99
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Effective Date
11/01/2025
Account Types
Interest Checking
Amount
$1,500.00 and above
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Effective Date
11/01/2025

Student Checking Account

Account Types Amount Dividend Rate Annual Percentage Yield Effective Date
Account Types
Basic Checking
Amount
N/A
Dividend Rate
N/A
Annual Percentage Yield
N/A
Effective Date
N/A
Account Types
Interest Checking
Amount
$0.01 - $1,499.99
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Effective Date
11/01/2025
Account Types
Interest Checking
Amount
$1,500.00 and above
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Effective Date
11/01/2025

Loans

New Auto Loan Rates

Apply Now  Make an Appointment

Term1

Minimum Loan Amount2

 		Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
12 - 36 months

Minimum Loan Amount2

5,000
Annual Percentage Rate3
5.24% - 14.24%
Example: Payment Per $10004
$34.29
Effective Date
12/31/2025
Term1
37 - 48 months

Minimum Loan Amount2

5,000
Annual Percentage Rate3
5.24% - 14.24%
Example: Payment Per $10004
$27.45
Effective Date
12/31/2025
Term1
49 - 66 months

Minimum Loan Amount2

5,000
Annual Percentage Rate3
5.24% - 14.24%
Example: Payment Per $10004
$21.94
Effective Date
12/31/2025
Term1
67 - 72 months

Minimum Loan Amount2

15,000
Annual Percentage Rate3
5.49% - 14.49%
Example: Payment Per $10004
$20.87
Effective Date
12/31/2025
Term1
73 - 84 months

Minimum Loan Amount2

25,000
Annual Percentage Rate3
5.99% - 7.49%
Example: Payment Per $10004
$15.33
Effective Date
12/31/2025

Vehicle Loan Terms:

1Term subject to credit approval.
2Maximum loan amount based on approved credit. New (current model year) vehicles: Up to 125% of MSRP (including tax, license, and document fees), plus GAP on approved credit.
3Interest Rate will vary based on approved credit. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work.
4Payment per $1,000 is based on the highest interest rate with the maximum term.

Financing available on purchases of new vehicles up to one model year old and less than 10,000 miles.

All loans require Tech CU membership, credit approval, and you must meet security requirements. Other terms and conditions may apply.

Used Auto Rates

Apply Now Make an Appointment

Term1

Minimum Loan Amount2

 		Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
12 - 36 months

Minimum Loan Amount2

5,000
Annual Percentage Rate3
5.49% - 14.74%
Example: Payment Per $10004
$34.54
Effective Date
12/31/2025
Term1
37 - 48 months

Minimum Loan Amount2

5,000
Annual Percentage Rate3
5.49% - 14.74%
Example: Payment Per $10004
$27.70
Effective Date
12/31/2025
Term1
49 - 66 months

Minimum Loan Amount2

5,000
Annual Percentage Rate3
5.49% - 14.74%
Example: Payment Per $10004
$22.20
Effective Date
12/31/2025
Term1
67 - 72 months

Minimum Loan Amount2

15,000
Annual Percentage Rate3
5.74% - 14.99%
Example: Payment Per $10004
$21.14
Effective Date
12/31/2025
Term1
73 - 84 months

Minimum Loan Amount2

25,000
Annual Percentage Rate3
6.24% - 7.74%
Example: Payment Per $10004
$15.46
Effective Date
12/31/2025

Vehicle Loan Terms:

1Term subject to credit approval.
2Maximum loan amount based on approved credit. Financing available on used vehicles (including fleet returned vehicles), excluding salvaged vehicles. Used Vehicles 7 years old or less and 100,000 miles or less: Up to 125% of Kelley Blue Book Retail Value (including tax, license, and document fees), plus GAP on approved credit. Used Vehicles over 7 years old or more than 100,000 miles: Up to 90% of Kelley Blue Book Retail Value (including tax, license, and document fees), plus GAP on approved credit.
3Interest Rate will vary based on approved credit and term. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work.
4Payment per $1,000 is based on the highest interest rate with the maximum term.

All loans require Tech CU membership, credit approval, and you must meet security requirements. Tech CU will finance private party purchases for used vehicles registered in the state of California. Other terms and conditions may apply.

Mortgage Rates

Available in: California, Arizona, Oregon, and Washington

View Rates Learn More or Apply Now  Find a Mortgage Consultant 

Home Equity Line of Credit

Apply NowMake an Appointment

  • Call with questions: (877) 988-0471
Available Credit Limits Maximum LTV1 Annual Percentage Rate2 Effective Date
Available Credit Limits
$10,000 - $250,000
Maximum LTV1
80%
Annual Percentage Rate2
6.75%
Effective Date
12/31/2025
Available Credit Limits
$250,001 - $500,000
Maximum LTV1
70%
Annual Percentage Rate2
7.25%
Effective Date
12/31/2025
Available Credit Limits
$500,001 - $750,000
Maximum LTV1
60%
Annual Percentage Rate2
7.25%
Effective Date
12/31/2025

Loans available for California 1-4-unit primary residences only. Final combined loan to value may vary based on type of property. Rates and terms are subject to change without notice. Additional terms and conditions may apply. Lifetime Maximum APR is 18% and minimum of 2.99%.

1Maximum loan amount and loan to value (LTV) calculated as a percentage of appraisal minus the first mortgage. Approved loan amount may be less than maximum loan-to-value ratio shown depending on property type, credit history or other factors. Call (408) 451-9111 or (800) 553-0880 for details.

2Current Annual Percentage Rate (APR) determined by the Wall Street Journal Prime rate plus a margin. No fees are required to establish the line, but if you pay off and close your Equity Line of Credit within three (3) years, a $500 - $1,500 early closure fee will apply. California only.

All loans require Tech CU membership, credit approval, and you must meet security requirements.

Home and Investment Property Equity Loans

Apply Now Make an Appointment

  • Call with questions: (877) 988-0471
Term In Months Maximum LTV1 Amount Annual Percentage Rate Example Payment per $10002 Occupancy Effective Date
Term In Months
12 - 180
Maximum LTV1
70%
Amount
$25,000 - $250,000
Annual Percentage Rate
6.875%
Example Payment per $10002
$8.92
Occupancy
Owner Occupied
Effective Date
12/31/2025
Term In Months
181 - 240
Maximum LTV1
70%
Amount
$25,000 - $250,000
Annual Percentage Rate
7.500%
Example Payment per $10002
$8.06
Occupancy
Owner Occupied
Effective Date
12/31/2025
Term In Months
12 - 180
Maximum LTV1
60%
Amount
$25,000 - $150,000
Annual Percentage Rate
7.375%
Example Payment per $10002
$9.20
Occupancy
Non-Owner Occupied
Effective Date
12/31/2025
Term In Months
181 - 240
Maximum LTV1
60%
Amount
$25,000 - $150,000
Annual Percentage Rate
8.000%
Example Payment per $10002
$8.36
Occupancy
Non-Owner Occupied
Effective Date
12/31/2025

For advertisement only. Rates and terms subject to change without notice. Additional conditions and restrictions may apply.

1Maximum loan amount and loan to value (LTV) calculated as a percentage of appraisal minus the first mortgage. Approved loan amount may be less than maximum loan-to-value ratio shown depending on property type, credit history or other factors.

2Payment per $1,000 is based on the highest interest rate with the maximum term.

We absorb all costs associated with establishing your loan, which generally total between $700 and $2,100 depending on the loan amount. For Home Equity Loans, if your loan amount is over $200,000 and you pay off the balance and close the account in the first year of funding your loan, you will pay a $750 Early Closure Fee. California only.

View All Rates

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Consumer Accounts Rate Sheet

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Consumer Loans Rate Sheet

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Business Accounts Rates & Yields

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Mortgage

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GENERAL INFORMATION: APY means annual percentage yield. Unless otherwise noted, (a) accounts have variable rates, meaning that the rate can change at any time at the discretion of the Tech CU Board of Directors after the account is opened, and (b) rates are accurate as of the most recent dividend declaration date and subject to change. Certificate rates are accurate as of the effective date of this disclosure and are subject to change at any time. Call (408) 451-9111 or (800) 553-0880 for current rates. Fees may reduce earnings on all account types that earn dividends. When a Certificate is opened, the rate is fixed for the term of the Certificate. Early withdrawal penalties apply to Certificates. Early IRA withdrawals may be subject to tax penalty. Ask a Tech CU representative for information about federal insurance on accounts with balances in excess of $250,000.00.

Technology Credit Union accounts are federally insured to at least $250,000.00 by the National Credit Union Administration, a U.S. Government agency.

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