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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 1.99% - 10.99% $28.65
    37-66 months $5,000 2.24%-11.24% $20.41
    67-72 months1 $15,000 2.99% - 11.99% $19.58
    73-84 months1,5   $25,000 3.49% - 3.74% $13.56

    Apply Now Make an Appointment  

    Used Auto Rates
      Minimum Loan Amount2   APR3   Example: Payment per $10004  
    12-36 months $5,000 2.24% - 11.49% $33.01
    37-66 months $5,000 2.49%-11.74% $20.67
    67-72 months1 $15,000 3.24% - 12.49% $19.83

    Apply Now Make an Appointment  

  • Mortgage Rates
    MortgagesRateAPR*Points
    30 year Conforming Fixed Rate4.13%4.16%0.00%
    15 Year Conforming Fixed Rate3.63%3.66%0.00%
    3 Year Conforming Adjustable Rate3.13%3.16%0.00%
    Loans available for California 1 –4-unit primary residences only. Rates and terms are subject to change without notice. Additional terms and conditions apply. All loans require Tech CU membership, credit approval, and you must meet security requirements. View mortgage payment examples. To learn more and see additional disclosures, please visit our Mortgage Web Center.
  • 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% 4.75%
    $500,001 – $750,000 60% 4.75%
    $251,001 – $500,000 70% 4.75%
    $10,000 – $250,000 70% 4.25%
    $10,000 – $250,000 75% 4.75%
    $10,000 – $150,000 80% 5.00%
    $150,001 – $250,000 80% 5.25%

    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 4.875% $7.85
    20 years 75% $25,000 - 500,000 5.510% $6.89
    15 Years 80% $25,000 - 500,000 5.125% $7.98
    20 years 80% $25,000 - 500,000 5.750% $7.03

    Apply Now Make an Appointment

    BALANCED TIERS: DIVIDEND RATE: APY:

    SAVINGS (SHARE) ACCOUNTS

    TIERED EARNINGS

    • $25.00 minimum balance to open, maintain account and earn dividends.
    $25.00-$2,499.99 0.150% 0.15%
    $2,500.00 and above 0.150% 0.15%

    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.)

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

    INSURED INVESTMENT ACCOUNTS

    TIERED EARNINGS

    • $2,500.00 minimum balance to open account and earn dividends. $0.01 minimum balance to maintain account.
    $0.01-$2,499.99 0.00% 0.00%
    $2,500.00-$9,999.99 0.150% 0.15%
    $10,000.00-$24,999.99 0.150% 0.15%
    $25,000.00-$49,999.99 0.200% 0.20%
    $50,000.00-$99,999.99 0.300% 0.30%
    $100,000.00-$149,999.99 0.300% 0.30%
    $150,000.00 and above 0.349% 0.35%

    MONEY MARKET PLUS ACCOUNTS

    TIERED EARNINGS

    • •$2,500.00 minimum balance to open account and 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 net pay.
    $0.01-$2,499.99 0.00% 0.00%
    $2,500.00-$9,999.99 0.150% 0.15%
    $10,000.00-$24,999.99 0.150% 0.15%
    $25,000.00-$49,999.99 0.200% 0.20%
    $50,000.00-$99,999.99 0.349% 0.35%
    $100,000.00-$149,999.99 0.499% 0.50%
    $150,000.00 and above 0.648% 0.65%

    ACCOUNT TYPES: DIVIDEND RATE: APY:

    CHECKING (SHARE DRAFT) ACCOUNTS

    • $1.00 minimum balance to open Basic Checking Account.
    • $100.00 minimum balance to open Interest Checking 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 0.150% 0.15%

    DIVIDEND RATE: APY:

    INDIVIDUAL RETIREMENT ACCOUNTS

    • $25.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.
    0.150% 0.15%

    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 0.250% 0.25%
    6 to 8 months 0.548% 0.55%
    9 to 11 months 0.598% 0.60%
    12 to 17 months 1.193% 1.20%
    18 to 23 months 1.242% 1.25%
    18 month Raise My Rate* 1.242% 1.25%
    24 to 35 months 1.489% 1.50%
    24 month Raise My Rate* 1.489% 1.50%
    36 to 47 months 1.538% 1.55%
    48 to 59 months 1.587% 1.60%
    60 months 2.078% 2.10%

    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 0.050% 0.05%
    1 month 0.050% 0.05%
    2 months 0.100% 0.10%
    3 to 5 months 0.250% 0.25%
    6 to 8 months 0.548% 0.55%
    9 to 11 months 0.598% 0.60%
    12 to 17 months 1.193% 1.20%
    18 to 23 months 1.242% 1.25%
    18 month Raise My Rate* 1.242% 1.25%
    24 to 35 months 1.489% 1.50%
    24 month Raise My Rate* 1.489% 1.50%
    36 to 47 months 1.538% 1.55%
    48 to 59 months 1.587% 1.60%
    60 months 2.078% 2.10%
  • View All Rates

    Consumer Accounts Rate Sheet

    Consumer Accounts Rate Sheet

    Consumer Loans

    Consumer Loans

    Business Accounts Rates & Yeilds

    Business Accounts Rates & Yeilds

    Mortgage

    Mortgage

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