Certificates
A longer term, higher yield savings vehicle.
Featured Rate
4.65%APY*
*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.When you're looking for a higher rate of return and don't mind "parking" your money for a while, consider a Certificate Account. Dividends are earned for each day that your money remains in the account, and are calculated using the Daily Balance Method.
We offer several certificate options with great rates to help you achieve your financial goals** - including Raise My Rate certificates.***
Raise My Rate
Once during the term of your Certificate, you can actually raise the rate.***
- Minimum opening balance of $1,000; $95,000 minimum for Jumbo
- Product not available for IRA Certificates
Let's say you open an 18-month Certificate earning 3.25%. Rates go up after six months — you have the option of moving to a higher rate.
Rates for Certificates
Limited Time Offer
| Term |
Dividend Rate |
APY |
Effective Date |
| 15 months* |
4.571% |
4.65% |
2/1/2023 |
- *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.
Certificates and Jumbo Certificates
| Term |
Certificates
Dividend Rate
($1,000 or more)
Apply Now |
Certificates
Annual Percentage Yield†
($1,000 or more) |
Effective Date
($1,000 or more) |
Jumbo Certificates
Dividend Rate
($95,000 or more)
Apply Now |
Jumbo Certificates
Annual Percentage Yield†
($95,000 or more) |
Effective Date
($95,000 or more) |
| 14 - 29 days |
N/A |
N/A |
N/A |
0.300% |
0.30% |
8/24/2022 |
| 1 month |
N/A |
N/A |
N/A |
0.349% |
0.35% |
8/24/2022 |
| 2 months |
N/A |
N/A |
N/A |
0.449% |
0.45% |
8/24/2022 |
| 3 - 5 months |
2.231% |
2.25% |
4/1/2023 |
2.231% |
2.25% |
4/1/2023 |
| 6 - 8 months |
2.485% |
2.5% |
4/1/2023 |
2.485% |
2.5% |
4/1/2023 |
| 9 - 11 months |
2.741% |
2.75% |
4/1/2023 |
2.741% |
2.75% |
4/1/2023 |
10 months
*Special Rate* |
4.483% |
4.50% |
4/1/2023 |
4.483% |
4.50% |
4/1/2023 |
| 12 - 17 months |
3.455% |
3.50% |
4/1/2023 |
3.455% |
3.50% |
4/1/2023 |
| 18 - 23 months |
3.455% |
3.50% |
4/1/2023 |
3.455% |
3.50% |
4/1/2023 |
| 18 month Raise My Rate*** |
3.455% |
3.50% |
4/1/2023 |
3.455% |
3.50% |
4/1/2023 |
| 24 - 35 months |
3.455% |
3.50% |
4/1/2023 |
3.455% |
3.50% |
4/1/2023 |
| 24 month Raise My Rate*** |
3.455% |
3.50% |
4/1/2023 |
3.455% |
3.50% |
4/1/2023 |
| 36 - 47 months |
3.455% |
3.50% |
4/1/2023 |
3.455% |
3.50% |
4/1/2023 |
| 48 - 59 months |
3.455% |
3.50% |
4/1/2023 |
3.455% |
3.50% |
4/1/2023 |
| 60 months |
3.601% |
3.65% |
11/1/2022 |
3.601% |
3.65% |
11/1/2022 |
†APY – Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY) are subject to change at any time. Early withdrawal penalty may apply.
**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. For Certificates opened online, if your certificate is not funded within 14 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.
***No exceptions or adjustments are allowed on Raise My Rate Certificates. The Raise My Rate (RMR) certificate is a share certificate that allows you to increase your rate once any time after the Certificate has been open at least seven days but prior to the end of the initial term.