• 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 3.24% - 12.24% $33.33
    37-66 months $5,000 3.74%-12.74% $21.16
    67-72 months1 $15,000 4.24% - 13.24% $20.21
    73-84 months1,5 $25,000 4.99% - 5.24% $14.25

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    Used Auto Rates
      Minimum Loan Amount2   APR3   Example: Payment per $10004  
    12-36 months $5,000 3.49% - 12.74% $33.57
    37-66 months $5,000 3.99%-13.24% $21.42
    67-72 months1 $15,000 4.49% - 13.74% $20.47

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  • Mortgage Rates
    MortgagesRateAPR*Points
    3 Year Conforming Adjustable Rate2.875%2.884%0.000%
    15 Year Conforming Fixed Rate3.250%3.259%0.000%
    30 year Conforming Fixed Rate3.875%3.884%0.000%
    5/1 Conforming Rate3.000%3.009%0.000%
    3/1 Conforming Rate2.875%2.884%0.000%
  • 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% 5.75%
    $500,001 – $750,000 60% 5.75%
    $250,001 – $500,000 70% 5.75%
    $10,000 – $250,000 70% 5.25%
    $10,000 – $250,000 75% 5.75%
    $10,000 – $150,000 80% 6.00%
    $150,001 – $250,000 80% 6.25%

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    Home Equity Loan
    Term   Maximum LTV2   Amount  

    Annual
    Percentage Rate

    Example Payment
    per $10003
    15 Years 75% $25,000 - 500,000 6.25% $8.58
    20 years 75% $25,000 - 500,000 6.875% $7.68
    15 Years 80% $25,000 - 500,000 6.500% $8.72
    20 years 80% $25,000 - 500,000 7.125% $7.83

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    EFFECTIVE DATE: 10/01/2019

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

    Savings

    Membership Share Savings Accounts

    • $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 0.250% 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).
    Money Market Plus Accounts
    Balance Tiers Dividend Rate APY
    $0.01-$2,499.99 0.00% 0.00%
    $2,500.00-$24,999.99 0.300% 0.30%
    $25,000.00-$49,999.99 0.349% 0.35%
    $50,000.00-$99,999.99 0.698% 0.70%
    $100,000.00-$149,999.99 0.847% 0.85%
    $150,000.00-$299,999.99 1.045% 1.05%
    $300,000.00-$499,999.99 1.144% 1.15%
    $500,000.00-$999,999.99 1.243% 1.25%
    $1,000,000.00 and above 1.785% 1.80%

    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.)

    Health Savings Accounts
    Balance Tiers Dividend Rate APY
    $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.
    Insured Investment Accounts
    Balance Tiers Dividend Rate APY
    $0.01-$2,499.99 0.00% 0.00%
    $2,500.00-$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 0.549% 0.55%

    Checking

    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.
    Checking (Share Draft) Accounts
    Account Types Dividend Rate APY
    Basic Checking N/A N/A
    Interest Checking 0.250% 0.25%

    Certificates

    Flextime Certificates and IRA Certificates

    • $1,000.00 minimum balance to open a Flextime or IRA Certificate.
    Flextime Certificates and IRA Certificates
    Terms Dividend Rate APY
    3 to 5 months 1.244% 1.25%
    6 to 8 months 1.544% 1.55%
    9 to 11 months 1.597% 1.60%
    12 to 17 months 2.231% 2.25%
    18 to 23 months 2.280% 2.30%
    18 month Raise My Rate* 2.280% 2.30%
    24 to 35 months 2.330% 2.35%
    24 month Raise My Rate* 2.330% 2.35%
    36 to 47 months 2.379% 2.40%
    48 to 59 months 2.428% 2.45%
    60 months 2.477% 2.50%

    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
    Terms Dividend Rate APY
    14 to 29 days 0.995% 1.00%
    1 month 1.045% 1.05%
    2 months 1.145% 1.15%
    3 to 5 months 1.244% 1.25%
    6 to 8 months 1.544% 1.55%
    9 to 11 months 1.597% 1.60%
    12 to 17 months 2.231% 2.25%
    18 to 23 months 2.280% 2.30%
    18 month Raise My Rate* 2.280% 2.30%
    24 to 35 months 2.330% 2.35%
    24 month Raise My Rate* 2.330% 2.35%
    36 to 47 months 2.379% 2.40%
    48 to 59 months 2.428% 2.45%
    60 months 2.477% 2.50%

    Individual Retirement Accounts

    • $25.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.
    Individual Retirement Accounts
    Dividend Rate APY
    0.250% 0.25%
  • View All Rates

    Consumer Accounts Rate Sheet

    Consumer Loans

    Business Accounts Rates & Yeilds

    Mortgage

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