Truth in Savings
Consumer Account Rate Sheet

(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.)

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).

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.

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. To qualify for this offer, open a new Tech CU High-Yield Savings Account and a Tech CU Checking Account, receive $1,500 or more monthly in direct deposits (excluding bank-to-bank transfers) in any account, and post at least 5 debit card transactions every calendar month. The first direct deposit and first five debit card transactions must be posted within the first two calendar months after account opening. For example, if your opening date was 2/1/24, you would need to have direct deposits of at least $1,500 and posted 5 debit card transactions between 3/1/24 and 3/31/24.

**$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.

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.

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