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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%06/10/2024
    $2,500.00 and above0.200%0.20%06/10/2024
  • Health Savings Accounts

    TIERED EARNINGS

    $0.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.

  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 to $2,500.000.399%0.40%06/10/2024
    $2,500.01 and above0.499%0.50%06/10/2024
  • 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.

  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 - $2,499.990.000%0.00%06/10/2024
    $2,500.00 - $24,999.990.499%0.50%06/10/2024
    $25,000.00 - $49,999.990.847%0.85%06/10/2024
    $50,000.00 - $99,999.99*0.995%1.00%06/10/2024
    $100,000.00 - $149,999.99*1.243%1.25%06/10/2024
    $150,000.00 - $299,999.99*1.490%1.50%06/10/2024
    $300,000.00 - $499,999.99*1.884%1.90%06/10/2024
    $500,000.00 - $999,999.99*1.933%1.95%06/10/2024
    $1,000,000.00 and above*2.031%2.05%06/10/2024
  • 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%06/10/2024
    Interest Checking$1,500.00 and above0.100%0.10%06/10/2024
  • 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%06/10/2024
  • 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 in “new to Tech CU”** money.
    • Additional money can be deposited at any time during the term.
    • 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 Months4.426%4.50%06/10/2024
    4 Months4.434%4.50%06/10/2024
    5 Months4.442%4.50%06/10/2024
  • 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%06/10/2024
    5 Months4.929%5.00%06/10/2024
    6 - 8 months2.485%2.50%06/10/2024
    9 - 11 months2.741%2.75%06/10/2024
    10 months4.980%5.00%06/10/2024
    12 - 17 months3.455%3.50%06/10/2024
    15 Months4.909%5.00%06/10/2024
    17 months*4.909%5.00%06/10/2024
    18 - 23 months3.455%3.50%06/10/2024
    18 month Raise My Rate**3.455%3.50%06/10/2024
    24 - 35 months3.455%3.50%06/10/2024
    24 month Raise My Rate**3.455%3.50%06/10/2024
    36 - 47 months3.455%3.50%06/10/2024
    48 - 59 months3.455%3.50%06/10/2024
    60 months3.601%3.65%06/10/2024
  • 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%06/10/2024
    1 month0.349%0.35%06/10/2024
    2 months0.449%0.45%06/10/2024
    3 - 5 months2.231%2.25%06/10/2024
    5 Months4.929%5.00%06/10/2024
    6 - 8 months2.485%2.50%06/10/2024
    9 - 11 months2.741%2.75%06/10/2024
    10 months4.980%5.00%06/10/2024
    12 - 17 months3.455%3.50%06/10/2024
    17 Months*4.909%5.00%06/10/2024
    18 - 23 months3.455%3.50%06/10/2024
    18 month Raise My Rate**3.455%3.50%06/10/2024
    24 - 35 months3.455%3.50%06/10/2024
    24 month Raise My Rate**3.455%3.50%06/10/2024
    36 - 47 months3.455%3.50%06/10/2024
    48 - 59 months3.455%3.50%06/10/2024
    60 months3.601%3.65%06/10/2024
  • 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 and complete required activities.*

    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 with Completed Required Activities

    Note: If all qualifying transactions are posted during the calendar month, 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 $5,000.005.366%5.50%06/10/2024
    $5,000.01 to $10,000.002.472%2.50%06/10/2024
    $10,000.01 to $20,000.001.490%1.50%06/10/2024
    $20,000.01 and above0.200%0.20%06/10/2024
  • Tiered Earnings with Uncompleted Required Activities

    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%06/10/2024
    $5,000.01 to $10,000.000.200%0.20%06/10/2024
    $10,000.01 to $20,000.000.200%0.20%06/10/2024
    $20,000.01 and above0.200%0.20%06/10/2024
  • 2010 North First Street | San Jose, CA 95131 | (800) 553-0880

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