• Rates

    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 of 4.50% APY while providing easy and flexible access to the Certificate deposit.

    • Minimum Opening balance of $1,000.
    • Unlimited funds can be withdrawn without penalty six days after certificate opening.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.
  • TermDividend RateAnnual Percentage YieldEffective Date
    3 Months*4.426%4.50%04/01/2024
    4 Months*4.434%4.50%04/01/2024
    5 Months*4.442%4.50%04/01/2024
  • Flextime Certificates and IRA Certificates

    • $1,000.00 minimum balance to open a Flextime or IRA Certificate.
  • TermDividend RateAnnual Percentage YieldEffective Date
    14 - 29 Days N/AN/AN/A
    1 monthN/AN/AN/A
    2 monthsN/AN/AN/A
    3 - 5 months2.231%2.25%04/01/2024
    5 Months4.929%5.00%04/01/2024
    6 - 8 months2.485%2.50%04/01/2024
    9 - 11 months2.741%2.75%04/01/2024
    10 months4.980%5.00%04/01/2024
    12 - 17 months3.455%3.50%04/01/2024
    15 Months4.909%5.00%04/01/2024
    17 months*4.909%5.00%04/01/2024
    18 - 23 months3.455%3.50%04/01/2024
    18 month Raise My Rate**3.455%3.50%04/01/2024
    24 - 35 months3.455%3.50%04/01/2024
    24 month Raise My Rate**3.455%3.50%04/01/2024
    36 - 47 months3.455%3.50%04/01/2024
    48 - 59 months3.455%3.50%04/01/2024
    60 months3.601%3.65%04/01/2024
  • Jumbo Flextime Certificates and Jumbo IRA Certificates

    • $95,000.00 minimum balance to open a Jumbo Flextime or Jumbo IRA Certificate.
  • TermDividend RateAnnual Percentage YieldEffective Date
    14 - 29 days0.300%0.30%04/01/2024
    1 month0.349%0.35%04/01/2024
    2 months0.449%0.45%04/01/2024
    3 - 5 months2.231%2.25%04/01/2024
    5 Months4.929%5.00%04/01/2024
    6 - 8 months2.485%2.50%04/01/2024
    9 - 11 months2.741%2.75%04/01/2024
    10 months4.980%5.00%04/01/2024
    12 - 17 months3.455%3.50%04/01/2024
    17 Months*4.909%5.00%04/01/2024
    18 - 23 months3.455%3.50%04/01/2024
    18 month Raise My Rate**3.455%3.50%04/01/2024
    24 - 35 months3.455%3.50%04/01/2024
    24 month Raise My Rate**3.455%3.50%04/01/2024
    36 - 47 months3.455%3.50%04/01/2024
    48 - 59 months3.455%3.50%04/01/2024
    60 months3.601%3.65%04/01/2024
  • Savings

    Membership Share Savings Accounts

    • $25.00 minimum balance to open, maintain account and earn dividends.
  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $25.00 to $2,499.990.200%0.20%04/01/2024
    $2,500.00 and above0.200%0.20%04/01/2024
  • 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.
    • 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).
  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 - $2,499.990.000%0.00%04/01/2024
    $2,500.00 - $24,999.990.499%0.50%04/01/2024
    $25,000.00 - $49,999.990.847%0.85%04/01/2024
    $50,000.00 - $99,999.99*0.995%1.00%04/01/2024
    $100,000.00 - $149,999.99*1.243%1.25%04/01/2024
    $150,000.00 - $299,999.99*1.490%1.50%04/01/2024
    $300,000.00 - $499,999.99*1.884%1.90%04/01/2024
    $500,000.00 - $999,999.99*1.933%1.95%04/01/2024
    $1,000,000.00 and above*2.031%2.05%04/01/2024
  • 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 RateAnnual Percentage YieldEffective Date
    0.200%0.20%04/01/2024
  • Health Savings Accounts

    • $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 TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 to $2,500.000.399%0.40%04/01/2024
    $2,500.01 and above0.499%0.50%04/01/2024
  • 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 TypesAmountDividend RateAnnual Percentage YieldEffective Date
    Basic CheckingN/AN/AN/AN/A
    Interest Checking$0.01 - $1,499.990.000%0.00%04/01/2024
    Interest Checking$1,500.00 and above0.100%0.10%04/01/2024
  • Loans

    New Auto Loan Rates

    Apply Now Make an Appointment

  • Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0005.99% - 14.99%$34.66 04/01/2024
    37 - 48 months$5,0006.24% - 15.24%$27.95 04/01/2024
    49 - 66 months$5,0006.49% - 15.49%$22.60 04/01/2024
    67 - 72 months$15,0006.99% - 15.99%$21.69 04/01/2024
    73 - 84 months$25,0007.84% - 9.34%$16.26 04/01/2024
  • Used Auto Rates

    Apply Now Make an Appointment

  • Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0006.24% - 15.49%$34.91 04/01/2024
    37 - 48 months$5,0006.49% - 15.74%$28.21 04/01/2024
    49 - 66 months$5,0006.74% - 15.99%$22.87 04/01/2024
    67 - 72 months$15,0007.24% - 16.49%$21.96 04/01/2024
    73 - 84 months$25,0008.09% - 9.59%$16.39 04/01/2024
  • Mortgage Rates

    Available in: California, Arizona, Idaho, Oregon, and Washington

    View Rates Learn More or Apply Now Find a Mortgage Consultant

    Home Equity Line of Credit

    Apply NowMake an Appointment

  • Available Credit LimitsMaximum Loan-to-Value1Annual Percentage Rate2Effective Date
    $10,000 - $250,00070%8.50%04/01/2024
    $250,001 - $500,00070%9.00%04/01/2024
    $500,001 - $750,00060%9.00%04/01/2024
  • Home Equity Loan

    Apply Now Make an Appointment

  • Term in MonthsMaximum Loan-to-Value1AmountAnnual Percentage RateExample Payment per $1,0002OccupancyEffective Date
    12 - 18070%$25,000 - $250,0007.250%$9.13 Owner Occupied04/01/2024
    181 - 24070%$25,000 - $250,0007.875%$8.29 Owner Occupied04/01/2024
    12 - 18060%$25,000 - $150,0007.750%$9.41 Non-Owner Occupied04/01/2024
    181 - 24060%$25,000 - $150,0008.375%$8.60 Non-Owner Occupied04/01/2024
  • View All Rates

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