NOTICE: Our San Francisco branch is now open! With this reopening, all 10 branches are open to serve you. We continue to observe state safety protocols in our branches. Please remember you can also bank with us online or through our Tech CU Virtual Branch. Click here for branch locations and hours.

  • Individual Retirement Accounts (IRA)

    The CARES Act (Coronavirus Aid, Relief and Economic Security Act) and the SECURE Act (Setting Every Community Up for Retirement Enhancement Act), contain important provisions that affect IRA distributions and contribution age limit. Click below to learn more.

    [ + ] CARES Act Impact to IRAs

    [ + ] SECURE Act Impact to IRAs

    Lower your tax burden and save for retirement by investing in an IRA savings and IRA certificate account.

    IRA Savings

    With Tech CU IRA Savings Accounts you can deposit up to the annual contribution limit and earn high dividends.

    • 0.200% dividend rate (0.20% Annual Percentage Yield)
    • $25 initial deposit
    • $0.01 minimum balance requirement
    • No annual maintenance fees
    • Dividends calculated daily and paid quarterly

    IRA Certificates

    Tech CU offers two kinds of IRA Certificates - regular and jumbo - depending on how much you want to invest. Both options are available in Traditional and Roth.

    Visit Retirement Central for:

    • Additional Information on IRA products & services.
    • Articles on retirement planning and life changes.
    • Online help with completing forms for new and existing IRAs.
    • Retirement planning tools and calculators.
    IRA Certificates and IRA Jumbo Certificates
    Term Certificates
    Dividend Rate

    ($1,000 or more)
    Certificates
    Annual Percentage Yield*

    ($1,000 or more)
    Effective Date
    ($1,000 or more)
    Jumbo Certificates
    Dividend Rate

    ($95,000 or more) 
    Jumbo Certificates
    Annual Percentage Yield*

    ($95,000 or more)
    Effective Date
    ($95,000 or more)
    14 - 29 days N/A N/A N/A 0.050% 0.05% 9/1/2020
    1 month N/A N/A N/A 0.100% 0.10% 9/1/2020
    2 months N/A N/A N/A 0.200% 0.20% 9/1/2020
    3 - 5 months 0.300% 0.30% 9/1/2020 0.300% 0.30% 9/1/2020
    6 - 8 months 0.350% 0.35% 2/1/2021 0.350% 0.35% 2/1/2021
    9 - 11 months 0.350% 0.35% 2/1/2021 0.350% 0.35% 2/1/2021
    12 - 17 months 0.599% 0.60% 2/1/2021 0.599% 0.60% 2/1/2021
    18 - 23 months 0.648% 0.65% 2/1/2021 0.648% 0.65% 2/1/2021
    24 - 35 months 0.648% 0.65% 2/1/2021 0.648% 0.65% 2/1/2021
    36 - 47 months 0.748% 0.75% 2/1/2021 0.748% 0.75% 2/1/2021
    48 - 59 months 0.798% 0.80% 2/1/2021 0.798% 0.80% 2/1/2021
    60 months 0.996% 1.00% 10/1/2020 0.996% 1.00% 10/1/2020
    tech-cu-icon-calculator
    • Calculate what it takes to work towards a secure retirement.
    • Calculate any projected shortfall or surplus at retirement.
     
     

    For more information about our Individual Retirement Accounts, or to open an account stop by one of our branches or call us at (800) 553-0880 or (408) 451-9111.

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(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

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