• 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

    EFFECTIVE DATE: 11/23/2022

    New Auto Loan Rates

      Minimum Loan Amount1 APR2 Example: Payment per $10003
    12-36 months $5,000 5.14% - 14.14% $34.25
    37-48 months $5,000 5.24% - 14.24% $27.45
    49-66 months $5,000 5.59% - 14.59% $22.13
    67-72 months1 $15,000 6.09% - 15.09% $21.20
    73-84 months1 $25,000 6.84% - 8.34% $15.76

    Apply Now Make an Appointment

    EFFECTIVE DATE: 11/23/2022

    Used Auto Rates

      Minimum Loan Amount1 APR2 Example: Payment per $10003
    12-36 months $5,000 5.39% - 14.64% $34.49
    37-48 months $5,000 5.49% - 14.74% $27.70
    49-66 months $5,000 5.84% - 15.09% $22.39
    67-72 months1 $15,000 6.34% - 15.59% $21.47
    73-84 months1 $25,000 7.09% - 8.59% $15.89

    Apply Now Make an Appointment

    Mortgage Rates

    View Rates Learn More or Apply Now Find a Mortgage Consultant

    EFFECTIVE DATE: 1/4/2023

    Home Equity Line of Credit

    Available Credit Limits Maximum LTV 1 Annual Percentage Rate2
    $500,001 – $750,000 60% 8.00%
    $250,001 – $500,000 70% 8.00%
    $10,000 – $250,000 70% 7.50%

    Apply Now Make an Appointment

    Home Equity Loan

    Term In Months Maximum LTV1 Amount Annual
    Percentage Rate
    Example Payment
    per $10002
    Occupancy
    12-180 70% $25,000 - $250,000 7.750% $9.42 Owner Occupied
    181-240 70% $25,000 - $250,000 8.375% $8.61 Owner Occupied
    12-180 60% $25,000 - $150,000 8.250% $9.71 Non-Owner
    181-240 60% $25,000 - $150,000 8.875% $8.92 Non-Owner

    Apply Now Make an Appointment

    This information is part of our Truth in Savings Disclosure. Please refer to your Consumer Membership Agreement for additional account information.

    Savings

    Membership Share Savings Accounts (effective date: 7/1/2020)

    • $25.00 minimum balance to open, maintain account and earn dividends.

    Membership Share Savings Accounts

    Balance Tiers Dividend Rate APY
    $25.00-$2,499.99 0.200% 0.20%
    $2,500.00 and above 0.200% 0.20%

    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).

    Money Market Plus Account Rates

    Balance Tiers Dividend Rate APY Effective Date
    $0.01 to $2,499.99 0.000% 0.00% 1/1/2001
    $2,500.00 to $24,999.99 0.499% 0.50% 9/1/2022
    $25,000.00 to $49,999.99 0.847% 0.85% 10/1/2022
    $50,000.00 to $99,999.99* 0.995% 1.00% 10/1/2022
    $100,000.00 to $149,999.99* 1.243% 1.25% 10/1/2022
    $150,000.00 to $299,999.99* 1.490% 1.50% 10/1/2022
    $300,000.00 to $499,999.99* 1.490% 1.50% 10/1/2022
    $500,000.00 to $999,999.99* 1.588% 1.60% 10/1/2022
    $1,000,000.00 and above* 1.785% 1.80% 10/1/2022

    Health Savings Accounts (effective date: 7/1/2020)

    • $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.)

    Health Savings Accounts

    Balance Tiers Dividend Rate APY
    $0.01-$2,500.00 0.399% 0.40%
    $2,500.01 and above 0.499% 0.50%

    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.

    * This product is no longer offered.

    Insured Investment Account Rates

    Balance Tiers Dividend Rate APY Effective Date
    $0.01-$2,499.99 0.00% 0.00% 1/1/2001
    $2,500.00-$24,999.99 0.399% 0.40% 9/1/2022
    $25,000.00-$49,999.99 0.479% 0.48% 9/1/2022
    $50,000.00-$99,999.99 0.598% 0.60% 9/1/2022
    $100,000.00-$149,999.99 0.598% 0.60% 9/1/2022
    $150,000.00 and above 0.628% 0.63% 9/1/2022

    Checking

    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

    Checking (Share Draft) Accounts

    Account Types Dividend Rate APY
    Basic Checking N/A N/A
    Interest Checking
    $0.01-$1,1499.99
    0.000% 0.00%
    Interest Checking
    $1,500 and above
    0.100% 0.10%

    Certificates

    Flextime Certificates and IRA Certificates

    • $1,000.00 minimum balance to open a Flextime or IRA Certificate.
    • Annual Percentage Yield is accurate as of 2/1/2023 and may change at any time. APY is available to Tech CU members who deposit and maintain a minimum of $1000 of "new to Tech CU" money into a new Certificate account, meaning the total deposit must come from a source external to Tech CU. No maximum deposit applies. Penalties will be imposed for early withdrawals. See Tech CU's Truth in Savings Account Disclosure for more details.

    Flextime Certificates and IRA Certificates Rates

    Terms Dividend Rate APY Effective Date
    14 - 29 days N/A N/A N/A
    1 month N/A N/A N/A
    2 months N/A N/A N/A
    3 months 0.996% 1.00% 11/1/2022
    6 months 3.961% 4.00% 12/1/2022
    9 months 4.124% 4.15% 12/1/2022
    12 months 2.967% 3.00% 11/1/2022
    15 months 4.571% 4.65% 2/1/2023
    18 months 3.211% 3.25% 11/1/2022
    18 month Raise My Rate* 3.211% 3.25% 11/1/2022
    24 months 3.211% 3.25% 11/1/2022
    24 month Raise My Rate* 3.211% 3.25% 11/1/2022
    36 months 3.211% 3.25% 11/1/2022
    48 months 3.211% 3.25% 11/1/2022
    60 months 3.601% 3.65% 11/1/2022

    Jumbo Flextime Certificates and Jumbo IRA Certificates

    • $95,000.00 minimum balance to open a Jumbo Flextime or Jumbo IRA Certificate.

    Jumbo Flextime Certificates and Jumbo IRA Certificates Rates

    Terms Dividend Rate APY Effective Date
    14 - 29 days 0.300% 0.30% 8/24/2022
    1 month 0.349% 0.35% 8/24/2022
    2 months 0.449% 0.45% 8/24/2022
    3 months 0.996% 1.00% 11/1/2022
    6 months 3.961% 4.00% 12/1/2022
    9 months 4.124% 4.15% 12/1/2022
    12 months 2.967% 3.00% 11/1/2022
    18 months 3.211% 3.25% 11/1/2022
    18 month Raise My Rate* 3.211% 3.25% 11/1/2022
    24 months 3.211% 3.25% 11/1/2022
    24 month Raise My Rate* 3.211% 3.25% 11/1/2022
    36 months 3.211% 3.25% 11/1/2022
    48 months 3.211% 3.25% 11/1/2022
    60 months 3.601% 3.65% 11/1/2022

    Individual Retirement Accounts

    (effective date: 7/1/2020)

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

    Individual Retirement Account Rates

    Dividend Rate APY
    0.200% 0.20%
  • View All Rates

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