• Individual Retirement Accounts (IRA)

    IRA Savings

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

    • $25 initial deposit
    • $0.01 minimum balance requirement
    • No annual maintenance fees
    • Dividends calculated daily and paid quarterly

    IRA Certificates Information

    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

    TermDividend Rate
    ($1,000 or more)    		Annual Percentage Yield
    ($1,000 or more)    		Effective Date
    14 - 29 Days N/AN/AN/A
    1 MonthN/AN/AN/A
    2 MonthsN/AN/AN/A
    3 Months4.18%4.25%10/3/24
    5 Months4.20%4.25%10/3/24
    6 Months4.45%4.50%10/3/24
    9 Months3.98%4.00%10/3/24
    10 Months3.99%4.00%10/3/24
    12 Months3.94%4.00%10/3/24
    15 Months3.70%3.75%10/3/24
    17 Months*3.70%3.75%10/3/24
    18 Months3.70%3.75%10/3/24
    24 Months3.46%3.50%10/3/24
    36 Months3.46%3.50%10/3/24
    48 Months3.46%3.50%10/3/24
    60 Months3.60%3.65%10/3/24

    Certificates renew automatically at maturity into the same term at the currently offered rate unless you request otherwise. Dividends calculated daily and paid at maturity on certificates less than one year. Dividends calculated daily and paid quarterly on certificates with terms of one year or more. If your certificate is not funded within 30 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) 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.

  • IRA Jumbo Certificates

    TermDividend Rate
    ($1,000 or more)    		Annual Percentage Yield
    ($1,000 or more)    		Effective Date
    14 - 29 Days 0.30%0.30%10/3/24
    1 Month0.35%0.35%10/3/24
    2 Months0.45%0.45%10/3/24
    3 Months4.18%4.25%10/3/24
    5 Months4.20%4.25%10/3/24
    6 Months4.45%4.50%10/3/24
    9 Months3.98%4.00%10/3/24
    10 Months3.99%4.00%10/3/24
    12 Months3.94%4.00%10/3/24
    17 Months*3.70%3.75%10/3/24
    18 Months3.70%3.75%10/3/24
    24 Months3.46%3.50%10/3/24
    36 Months3.46%3.50%10/3/24
    48 Months3.46%3.50%10/3/24
    60 Months3.60%3.65%10/3/24

    Certificates renew automatically at maturity into the same term at the currently offered rate unless you request otherwise. Dividends calculated daily and paid at maturity on certificates less than one year. Dividends calculated daily and paid quarterly on certificates with terms of one year or more. If your certificate is not funded within 30 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) 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.

  • 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, stop by one of our branches, make an appointment with a Tech CU banker, or call us at (800) 553-0880 or (408) 451-9111.

  • 1 Contribution amounts may be split between Traditional and Roth IRAs but cannot exceed the maximum annual contribution limit. All contributions must be made in cash.

    2 Prospective rate, subject to change. Fees may reduce earnings.

    3 Non-deductible contributions can be made to a Traditional IRA.

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