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    Truth in Savings
    Consumer Account Rate Sheet

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

    Membership Share Savings Accounts

    TIERED EARNINGS

    $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%05/01/2025
    $2,500.00 and above0.200%0.20%05/01/2025

    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.

  • 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 TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 to $2,500.000.399%0.40%05/01/2025
    $2,500.01 and above0.499%0.50%05/01/2025

  • 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%05/01/2025
    $2,500.00 - $24,999.990.499%0.50%05/01/2025
    $25,000.00 - $49,999.990.847%0.85%05/01/2025
    $50,000.00 - $99,999.99*0.995%1.00%05/01/2025
    $100,000.00 - $149,999.99*1.243%1.25%05/01/2025
    $150,000.00 - $299,999.99*1.490%1.50%05/01/2025
    $300,000.00 - $499,999.99*1.884%1.90%05/01/2025
    $500,000.00 - $999,999.99*1.933%1.95%05/01/2025
    $1,000,000.00 and above*2.031%2.05%05/01/2025

    *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.

  • 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%05/01/2025
    Interest Checking$1,500.00 and above0.100%0.10%05/01/2025

  • GENERAL INFORMATION:

    APY means annual percentage yield. Unless otherwise noted, (a) accounts have variable rates, meaning 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.

  • 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%05/01/2025

  • 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.
    • 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 if it is made six days apart from any previous withdrawal, irrespective of the month in which the withdrawal is being made.

  • TermDividend RateAnnual Percentage YieldEffective Date
    3 Month3.698%3.75%05/01/2025
    4 Month3.704%3.75%05/01/2025
    5 Month3.710%3.75%05/01/2025

    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.

  • TermDividend RateAnnual Percentage YieldEffective Date
    3 Month3.941%4.00%05/01/2025
    5 Month3.954%4.00%05/01/2025
    6 Month3.961%4.00%05/01/2025
    6 Month Special Offering***4.597%4.65%05/01/2025
    9 Month3.733%3.75%05/01/2025
    10 Month3.738%3.75%05/01/2025
    12 Month3.698%3.75%05/01/2025
    15 Month3.698%3.75%05/01/2025
    17 Month*3.698%3.75%05/01/2025
    18 Month3.698%3.75%05/01/2025
    18 Month Raise My Rate**3.211%3.25%05/01/2025
    24 Month3.455%3.50%05/01/2025
    24 Month Raise My Rate**2.967%3.00%05/01/2025
    36 Month3.455%3.50%05/01/2025
    48 Month3.455%3.50%05/01/2025
    60 Month3.601%3.65%05/01/2025

    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.

    **No exceptions or adjustments are allowed on Raise My Rate Certificates. The Raise My Rate (RMR) certificate is a share certificate that allows you to increase your rate once any time after the Certificate has been open at least seven days but prior to the end of the initial term. Raise My Rate terms are not available for IRA’s.

    ***Limit of one Anniversary Certificate per membership. Annual Percentage (APY) is available to Tech CU members who deposit and maintain a minimum of $1,000 into a new Anniversary Certificate account. A maximum deposit of $50,000 applies. Anniversary Certificate converts to a standard certificate term and rate at maturity. 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.

  • TermDividend RateAnnual Percentage YieldEffective Date
    15 Day0.300%0.30%05/01/2025
    1 Month0.349%0.35%05/01/2025
    2 Month0.449%0.45%05/01/2025
    3 Month3.941%4.00%05/01/2025
    5 Month3.954%4.00%05/01/2025
    6 Month3.961%4.00%05/01/2025
    9 Month3.733%3.75%05/01/2025
    10 Month3.738%3.75%05/01/2025
    12 Month3.698%3.75%05/01/2025
    17 Month*3.698%3.75%05/01/2025
    18 Month3.698%3.75%05/01/2025
    18 Month Raise My Rate**3.211%3.25%05/01/2025
    24 Month3.455%3.50%05/01/2025
    24 Month Raise My Rate**2.967%3.00%05/01/2025
    36 Month3.455%3.50%05/01/2025
    48 Month3.455%3.50%05/01/2025
    60 Month3.601%3.65%05/01/2025

    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.

    **No exceptions or adjustments are allowed on Raise My Rate Certificates. The Raise My Rate (RMR) certificate is a share certificate that allows you to increase your rate once any time after the Certificate has been open at least seven days but prior to the end of the initial term. Raise My Rate terms are not available for IRA’s.

  • Special Offer: High-Yield Savings Account

    Earn a blended Annual Percentage Yield (APY) in a Tech CU High-Yield Savings Account when you open a Tech CU Checking Account.*

    A $100.00 minimum balance with new-to-Tech CU money** is required to open this account. A $0.01 minimum balance is required to maintain the account and earn dividends. There is no monthly maintenance fee.

    Tiered Earnings for Qualified Accounts

    Note: With an accompanying checking account product open on the membership, the first $5,000.00 in the High-Yield Savings Account will earn the APY for balances up to $5,000.00, the next $5,000.00 will earn the APY for balances between $5,000.01 and $10,000.00, the next $10,000.00 after that will earn the APY for balances between $10,000.01 and $20,000.00, and balances over $20,000.00 will earn the APY for balances $20,000.01 and above, meaning the blended APY may change after account opening.

  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 to $5,000.004.169%4.25%05/01/2025
    $5,000.01 to $10,000.002.472%2.50%05/01/2025
    $10,000.01 to $20,000.001.490%1.50%05/01/2025
    $20,000.01 and above0.200%0.20%05/01/2025

  • Tiered Earnings for Unqualified Accounts

    Note: If all qualifying transactions are not posted during the calendar month, the entire balance in the High-Yield Savings Account will earn the APY for balances as shown below.

  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 to $5,000.000.200%0.20%05/01/2025
    $5,000.01 to $10,000.000.200%0.20%05/01/2025
    $10,000.01 to $20,000.000.200%0.20%05/01/2025
    $20,000.01 and above0.200%0.20%05/01/2025

  • Dividends post and compound monthly. Dividends are calculated using the Daily Balance Method, which applies a periodic rate to the balance in the account each day.

    You may make as many deposits and withdrawals to your accounts as you like. All withdrawals are limited to available funds. Overdraft protection is not available on the High-Yield Savings Account. For more information, see the Consumer Membership Account Agreements and Disclosures. Tech CU bylaws permit a delay of up to 60 days for withdrawal of shares.

    *Annual Percentage Yield accurate as of Effective Date.

    **$100 opening deposit must come from “new-to-Tech CU money,” meaning funds deposited into a member’s account from an external source within 21 days of account opening. Limited to one High-Yield Savings Account per membership. Additional High-Yield Savings Accounts will be converted to Non-Membership Savings Accounts.

    Offer valid for new and existing members. Offer not available on Business, Individual Retirement Accounts (IRA), or Health Savings Accounts (HSA). Rates and terms are subject to change without prior notice and may not be combined with any other offers. Fees may reduce earnings.

    © Technology Credit Union. All rights reserved. Federally insured by NCUA.

  • 2010 North First Street | San Jose, CA 95131 | (800) 553-0880

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