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  • Rates

    Tech CU offers competitive rates on accounts, consumer loans, mortgages and home equity loans and credit lines. Find the most recent rates for our products here.

    Featured Rates

    New Auto Loan Rates
      Minimum Loan Amount2   APR3   Example: Payment per $10004  
    12-36 months $5,000 2.49% - 11.49% $32.99
    37-66 months $5,000 2.99%-11.99% $20.78
    67-72 months1 $15,000 3.49% - 12.49% $19.82
    73-84 months1,5   $25,000 4.24% - 4.49% $13.90

    *Rates are subject to change without notice. Payment samples assume highest interest rate shown on longest term shown; ask for additional payment samples or click here to use our payment calculator. All auto loans require Tech CU membership, credit approval and acceptable collateral. Slightly higher APRs apply to refinances of existing Tech CU vehicle loans, private party sales and other loans where Tech CU handles vehicle title work. We offer many auto loan options; ask us for details.

    Vehicle Loan Terms:
    1 $15,000 minimum loan amount for 67-72-month financing, $25,000 minimum loan amount for 73-84-month financing.
    2 Maximum loan amount based on approved credit. New (current model year) vehicles: Up to 100% of Purchase Price, plus tax, license, dealer preparation, documentary fees, and Mechanical Breakdown Insurance or Extended Warranty Insurance.
    3 APR = Annual Percentage Rate. Interest Rate will vary based on approved credit and loan to value. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work.
    4 Payment per $1,000 is based on the highest interest rate with the maximum term.
    5 Term subject to credit approval.

    All loans require Tech CU membership, credit approval and you must meet security requirements.

    Apply Now Make an Appointment  

    Used Auto Rates
      Minimum Loan Amount2   APR3   Example: Payment per $10004  
    12-36 months $5,000 2.74% - 11.99% $33.23
    37-66 months $5,000 3.24%-12.49% $21.04
    67-72 months1 $15,000 3.74% - 12.99% $20.04

    *Rates are subject to change without notice. Payment samples assume highest interest rate shown on longest term shown; ask for additional payment samples or click here to use our payment calculator. All auto loans require Tech CU membership, credit approval and acceptable collateral. Slightly higher APRs apply to refinances of existing Tech CU vehicle loans, private party sales and other loans where Tech CU handles vehicle title work. We offer many auto loan options; ask us for details.

    Vehicle Loan Terms:
    1 Term applies to 2016 or newer vehicle models and mileage must be 30,000 miles or less. $15,000 minimum loan amount for 67-72 month financing.
    2 Maximum loan amount based on approved credit. Financing available on used vehicles (including fleet returned vehicles), excluding salvaged vehicles. Used Vehicles 7 years old or less and 100,000 miles or less: 100% of Kelley Blue Book Retail Value. Used Vehicles over 7 years old or more than 100,000 miles: 100% of Kelley Blue Book Wholesale Value. Plus tax, license, dealer preparation, documentary fees, and Mechanical Breakdown Insurance or Extended Warranty Insurance.
    3 Interest Rate will vary based on approved credit and term. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work.
    4 Payment per $1,000 is based on the highest interest rate with the maximum term.

    All loans require Tech CU membership, credit approval and you must meet security requirements.

    Apply Now Make an Appointment  

  • Mortgage Rates
    MortgagesRateAPR*Points
    30 year Conforming Fixed Rate4.500%4.510%0.000%
    15 Year Conforming Fixed Rate4.125%4.134%0.000%
    3 Year Conforming Adjustable Rate3.750%3.759%0.000%

    Loans available for California 1 -4-unit primary residences only. Rates and terms are subject to change without notice. Additional terms and conditions apply. All loans require Tech CU membership, credit approval, and you must meet security requirements. View mortgage payment examples. To learn more and see additional disclosures, please visit our Mortgage Web Center .

  • Learn More or Apply Now Find a Mortgage Consultant  

    Home Equity Line of Credit
    Available Credit Limits   Maximum LTV 1   Annual Percentage Rate2  
    $750,001 – $1,000,000   50% 5.25%
    $500,001 – $750,000   60% 5.25%
    $250,001 – $500,000   70%  5.25%
    $10,000 – $250,000   70% 4.75%
    $10,000 – $250,000   75% 5.25%
    $10,000 – $150,000   80% 5.50%
    $150,001 – $250,000   80% 5.75%

    *Loans available for California 1-4-unit primary residences only. Final combined loan to value may vary based on type of property. Rates as of 6/16/2016. Rates and terms are subject to change without notice. Additional terms and conditions may apply. Lifetime Maximum APR is 18% and minimum of 2.99%.

    1Maximum loan amount and loan to value (LTV) calculated as a percentage of appraisal minus the first mortgage. Approved loan amount may be less than maximum loan-to-value ratio shown depending on property type, credit history or other factors. Call (408) 451-9111 or (800) 553-0880 for details.
    2Current Annual Percentage Rate (APR) determined by the Wall Street Journal Prime rate plus a margin.
    No fees are required to establish the line, but if you pay off and close your Equity Line of Credit within three (3) years, a $500 - $1,500 early closure fee will apply.

    All loans require Tech CU membership, credit approval, and you must meet security requirements.

    Apply Now Make an Appointment  

    Home Equity Loan
    Term   Maximum LTV2   Amount  

    Annual
    Percentage Rate

          		 Example Payment
    per $10003      
    15 Years 75% $25,000 - 500,000 4.875% $7.85
    20 years 75% $25,000 - 500,000 5.510% $6.89
    15 Years 80% $25,000 - 500,000 5.125% $7.98
    20 years 80% $25,000 - 500,000 5.750% $7.03

    For advertisement only. Rates and terms subject to change without notice. Additional conditions and restrictions may apply.

    1 We absorb all costs associated with establishing your loan, which generally total funding between $140 and $2,000 depending on the loan amount. If your loan amount is over $200,000 and you pay off the balance and close the account in the first year of funding your loan, you will pay a $750 Early Closure Fee.
    2 Maximum loan amount and loan to value (LTV) calculated as a percentage of appraisal minus the first mortgage. Approved loan amount may be less than maximum loan-to-value ratio shown depending on property type, credit history or other factors.

    Apply Now Make an Appointment  

    EFFECTIVE DATE: 4/1/2018

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

    Savings
      BALANCE TIERS: DIVIDEND RATE: APY:

    Membership share savings accounts

    • $25.00 minimum balance to open, maintain account and earn dividends.
         		 $25.00-$2,499.99 0.250% 0.25%
    $2,500.00 and above 0.250% 0.25%

    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).
         		 $0.01-$2,499.99 0.00% 0.00%
    $2,500.00-$9,999.99 0.250% 0.25%
    $10,000.00-$24,999.99 0.250% 0.25%
    $25,000.00-$49,999.99 0.300% 0.30%
    $50,000.00-$99,999.99 0.548% 0.50%
    $100,000.00-$149,999.99 0.698% 0.70%
    $150,000.00 and above 0.846% 0.85%

    HEALTH SAVINGS ACCOUNTS

    • $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.)

    		 $0.01-$2,500.00 0.499% 0.50%
    $2,500.01 and above 0.598% 0.60%

    INSURED INVESTMENT ACCOUNTS

    • TIERED EARNINGS
    • $0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account.
         		 $0.01-$2,499.99 0.00% 0.00%
    $2,500.00-$9,999.99 0.250% 0.25%
    $10,000.00-$24,999.99 0.250% 0.25%
    $25,000.00-$49,999.99 0.300% 0.30%
    $50,000.00-$99,999.99 0.499% 0.50%
    $100,000.00-$149,999.99 0.499% 0.50%
    $150,000.00 and above 0.548% 0.55%

     

    Checking
      ACCOUNT TYPES: DIVIDEND RATE: APY:

    CHECKING (SHARE DRAFT) ACCOUNTS

    • $0.00 minimum balance to open account.
    • $0.01 minimum balance to maintain account.
    • $0.01 minimum balance to earn dividends on Interest Checking.
         		 Basic Checking N/A N/A
    Interest Checking 0.250% 0.25%

     

    Certificates
      TERMS: DIVIDEND RATE: APY:

    FLEXTIME CERTIFICATES AND IRA CERTIFICATES

    • $1,000.00 minimum balance to open a Flextime or IRA Certificate.
         		 3 to 5 months 0.449% 0.45%
    6 to 8 months 0.747% 0.75%
    9 to 11 months 0.797% 0.80%
    12 to 17 months 1.390% 1.40%
    18 to 23 months 1.489% 1.50%
    18 month Raise My Rate* 1.489% 1.50%
    24 to 35 months 1.735% 1.75%
    24 month Raise My Rate* 1.735% 1.75%
    36 to 47 months 1.784% 1.80%
    48 to 59 months 1.833% 1.85%
    60 months 2.127% 2.15%

    JUMBO FLEXTIME CERTIFICATES AND JUMBO IRA CERTIFICATES

    • $95,000.00 minimum balance to open a Jumbo Flextime or Jumbo IRA Certificate.
         		 14 to 29 days 0.250% 0.25%
    1 month 0.250% 0.25%
    2 months 0.300% 0.30%
    3 to 5 months 0.449% 0.45%
    6 to 8 months 0.747% 0.75%
    9 to 11 months 0.797% 0.80%
    12 to 17 months 1.390% 1.40%
    18 to 23 months 1.489% 1.50%
    18 month Raise My Rate* 1.489% 1.50%
    24 to 35 months 1.735% 1.75%
    24 month Raise My Rate* 1.735% 1.75%
    36 to 47 months 1.784% 1.80%
    48 to 59 months 1.833% 1.85%
    60 months 2.127% 2.15%

     

    Individual Retirement Accounts (IRA)
      DIVIDEND RATE: APY:

    INDIVIDUAL RETIREMENT ACCOUNTS

    • $25.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.
         		 0.250% 0.25%

    *Product not available for IRA Certificates.

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

  • View All Rates

    Consumer Accounts Rate Sheet

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    Consumer Loans

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    Business Accounts Rates & Yeilds

    View Rates (PDF)

    Mortgage

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