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  • Certificates

    A longer term, higher yield savings vehicle.

    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.**

    View Rates

    Raise My Rate Certificate

    Once during the term of your Certificate, you can actually raise the rate.**

    • Minimum opening balance of $1,000; 
    • $95,000 minimum for Jumbo

    Rates for Certificates

  • Limited Time Offers

    TermDividend RateAPY*Effective Date
    17 months*5.150%5.25%09/01/2023
    15 months4.909%5.00%09/01/2023
    10 Months4.980%5.00%09/01/2023
    5 Months4.929%5.00%09/01/2023

    *APY 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.

  • Certificates Rates

    TermDividend RateAnnual Percentage YieldEffective Date
    14 - 29 daysN/AN/AN/A
    1 monthN/AN/AN/A
    2 monthsN/AN/AN/A
    3 - 5 months2.231%2.25%09/01/2023
    5 Months4.929%5.00%09/01/2023
    6 - 8 months2.485%2.50%09/01/2023
    9 - 11 months2.741%2.75%09/01/2023
    10 months4.980%5.00%09/01/2023
    12 - 17 months3.455%3.50%09/01/2023
    15 Months4.909%5.00%09/01/2023
    17 months*5.150%5.25%09/01/2023
    18 - 23 months3.455%3.50%09/01/2023
    18 month Raise My Rate**3.455%3.50%09/01/2023
    24 - 35 months3.455%3.50%09/01/2023
    24 month Raise My Rate**3.455%3.50%09/01/2023
    36 - 47 months3.455%3.50%09/01/2023
    48 - 59 months3.455%3.50%09/01/2023
    60 months3.601%3.65%09/01/2023

    Certificates renew automatically at maturity into the same term at the currently offered rate unless you request otherwise. For all certificates, dividends are calculated daily. On certificates with terms of one year or more, dividends are compounded and paid quarterly. On certificates less than one year, dividends are paid at maturity. Alternatively, for certificates with terms of at least six months that are opened in-person, dividends may be paid monthly into a Tech CU Checking or Savings account, if so elected. 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.

    †APY – Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY) are subject to change at any time. Early withdrawal penalty may apply.

    *APY 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.

    **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. Raise My Rate terms are not available for IRA’s.

  • Jumbo Certificates Rates

    TermDividend RateAnnual Percentage YieldEffective Date
    14 - 29 days0.300%0.30%09/01/2023
    1 month0.349%0.35%09/01/2023
    2 months0.449%0.45%09/01/2023
    3 - 5 months2.231%2.25%09/01/2023
    5 Months4.929%5.00%09/01/2023
    6 - 8 months2.485%2.50%09/01/2023
    9 - 11 months2.741%2.75%09/01/2023
    10 months4.980%5.00%09/01/2023
    12 - 17 months3.455%3.50%09/01/2023
    17 Months*5.150%5.25%09/01/2023
    18 - 23 months3.455%3.50%09/01/2023
    18 month Raise My Rate**3.455%3.50%09/01/2023
    24 - 35 months3.455%3.50%09/01/2023
    24 month Raise My Rate**3.455%3.50%09/01/2023
    36 - 47 months3.455%3.50%09/01/2023
    48 - 59 months3.455%3.50%09/01/2023
    60 months3.601%3.65%09/01/2023

    Certificates renew automatically at maturity into the same term at the currently offered rate unless you request otherwise. For all certificates, dividends are calculated daily. On certificates with terms of one year or more, dividends are compounded and paid quarterly. On certificates less than one year, dividends are paid at maturity. Alternatively, for certificates with terms of at least six months that are opened in-person, dividends may be paid monthly into a Tech CU Checking or Savings account, if so elected. 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.

    †APY – Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY) are subject to change at any time. Early withdrawal penalty may apply.

    *APY 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.

    **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. Raise My Rate terms are not available for IRA’s.

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