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  • Rates

    Tech CU offers competitive rates on accounts, consumer loans, mortgages and home equity loans and credit lines. Find the most recent rates for our products here.

    Featured Rates

    New Auto Loan Rates
      Minimum Loan Amount2   APR3   Example: Payment per $10004  
    12-36 months $5,000 2.74% - 11.74% $33.10
    37-66 months $5,000 3.24%-12.24% $20.91
    67-72 months1 $15,000 3.74% - 12.74% $19.95
    73-84 months1,5   $25,000 4.49% - 4.74% $14.02

    Apply Now Make an Appointment  

    Used Auto Rates
      Minimum Loan Amount2   APR3   Example: Payment per $10004  
    12-36 months $5,000 2.99% - 12.24% $33.34
    37-66 months $5,000 3.49%-12.74% $21.16
    67-72 months1 $15,000 3.99% - 13.24% $20.21

    Apply Now Make an Appointment  

  • Mortgage Rates
    MortgagesRateAPR*Points
    30 year Conforming Fixed Rate4.375%4.384%0.000%
    15 Year Conforming Fixed Rate4.000%4.009%0.000%
    3 Year Conforming Adjustable Rate3.750%3.759%0.000%
  • Learn More or Apply Now Find a Mortgage Consultant  

    Home Equity Line of Credit
    Available Credit Limits   Maximum LTV 1   Annual Percentage Rate2  
    $750,001 – $1,000,000   50% 5.50%
    $500,001 – $750,000   60% 5.50%
    $250,001 – $500,000   70% 5.50%
    $10,000 – $250,000   70% 5.00%
    $10,000 – $250,000   75% 5.50%
    $10,000 – $150,000   80% 5.75%
    $150,001 – $250,000   80% 6.00%

    Apply Now Make an Appointment  

    Home Equity Loan
    Term   Maximum LTV2   Amount  

    Annual
    Percentage Rate

     
    Example Payment
    per $10003
     
    15 Years 75% $25,000 - 500,000 5.125% $7.98
    20 years 75% $25,000 - 500,000 5.750% $7.03
    15 Years 80% $25,000 - 500,000 5.375% $8.11
    20 years 80% $25,000 - 500,000 6.000% $7.17

    Apply Now Make an Appointment  

    EFFECTIVE DATE: 8/15/2018

    This information is part of our Truth in Savings Disclosure. Please refer to your Member Handbook for additional account information.

    >

    Savings
      BALANCE TIERS: DIVIDEND RATE: APY:

    Membership share savings accounts

    • $25.00 minimum balance to open, maintain account and earn dividends.
     
    $25.00-$2,499.99 0.250% 0.25%
    $2,500.00 and above 0.250% 0.25%

    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).
     
    $0.01-$2,499.99 0.00% 0.00%
    $2,500.00-$24,999.99 0.250% 0.25%
    $25,000.00-$49,999.99 0.300% 0.30%
    $50,000.00-$99,999.99 0.549% 0.55%
    $100,000.00-$149,999.99 0.698% 0.70%
    $150,000.00-$299,999.99 0.896% 0.90%
    $300,000.00-$499,999.99 0.995% 1.00%
    $500,000.00-$999,999.99 1.094% 1.10%
    $1,000,000.00 and above 1.391% 1.40%

    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.)

    $0.01-$2,500.00 0.499% 0.50%
    $2,500.01 and above 0.598% 0.60%

    INSURED INVESTMENT ACCOUNTS

    • TIERED EARNINGS
    • $0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account.
     
    $0.01-$2,499.99 0.00% 0.00%
    $2,500.00-$24,999.99 0.250% 0.25%
    $25,000.00-$49,999.99 0.300% 0.30%
    $50,000.00-$99,999.99 0.499% 0.50%
    $100,000.00-$149,999.99 0.499% 0.50%
    $150,000.00 and above 0.549% 0.55%

     

    Checking
      ACCOUNT TYPES: DIVIDEND RATE: APY:

    CHECKING (SHARE DRAFT) ACCOUNTS

    • $0.00 minimum balance to open account.
    • $0.01 minimum balance to maintain account.
    • $0.01 minimum balance to earn dividends on Interest Checking.
     
    Basic Checking N/A N/A
    Interest Checking 0.250% 0.25%

     

    Certificates
      TERMS: DIVIDEND RATE: APY:

    FLEXTIME CERTIFICATES AND IRA CERTIFICATES

    • $1,000.00 minimum balance to open a Flextime or IRA Certificate.
     
    3 to 5 months 1.000% 1.00%
    6 to 8 months 1.300% 1.30%
    9 to 11 months 1.350% 1.35%
    12 to 17 months 1.985% 2.00%
    18 to 23 months 2.084% 2.10%
    18 month Raise My Rate* 2.084% 2.10%
    24 to 35 months 2.231% 2.25%
    24 month Raise My Rate* 2.231% 2.25%
    36 to 47 months 2.280% 2.30%
    48 to 59 months 2.330% 2.35%
    60 months 2.477% 2.50%

    JUMBO FLEXTIME CERTIFICATES AND JUMBO IRA CERTIFICATES

    • $95,000.00 minimum balance to open a Jumbo Flextime or Jumbo IRA Certificate.
     
    14 to 29 days 0.750% 0.75%
    1 month 0.800% 0.80%
    2 months 0.900% 0.90%
    3 to 5 months 1.000% 1.00%
    6 to 8 months 1.300% 1.30%
    9 to 11 months 1.350% 1.35%
    12 to 17 months 1.985% 2.00%
    18 to 23 months 2.084% 2.10%
    18 month Raise My Rate* 2.084% 2.10%
    24 to 35 months 2.231% 2.25%
    24 month Raise My Rate* 2.231% 2.25%
    36 to 47 months 2.280% 2.30%
    48 to 59 months 2.330% 2.35%
    60 months 2.477% 2.50%

     

    Individual Retirement Accounts (IRA)
      DIVIDEND RATE: APY:

    INDIVIDUAL RETIREMENT ACCOUNTS

    • $25.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.
     
    0.250% 0.25%
  • View All Rates

    Consumer Accounts Rate Sheet

    Consumer Loans

    Business Accounts Rates & Yeilds

    Mortgage

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