Loan and Deposit Rates

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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.

Certificates

Flextime Certificates and IRA Certificates

$1,000.00 minimum balance to open a Flextime or IRA Certificate.


Term	Dividend Rate	Annual Percentage Yield	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 - 5 months	2.231%	2.25%	09/01/2023
5 Months	4.929%	5.00%	09/01/2023
6 - 8 months	2.485%	2.50%	09/01/2023
9 - 11 months	2.741%	2.75%	09/01/2023
10 months	4.980%	5.00%	09/01/2023
12 - 17 months	3.455%	3.50%	09/01/2023
15 Months	4.909%	5.00%	09/01/2023
17 months*	5.150%	5.25%	09/01/2023
18 - 23 months	3.455%	3.50%	09/01/2023
18 month Raise My Rate**	3.455%	3.50%	09/01/2023
24 - 35 months	3.455%	3.50%	09/01/2023
24 month Raise My Rate**	3.455%	3.50%	09/01/2023
36 - 47 months	3.455%	3.50%	09/01/2023
48 - 59 months	3.455%	3.50%	09/01/2023
60 months	3.601%	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 Flextime Certificates and Jumbo IRA Certificates

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


Term	Dividend Rate	Annual Percentage Yield	Effective Date
14 - 29 days	0.300%	0.30%	09/01/2023
1 month	0.349%	0.35%	09/01/2023
2 months	0.449%	0.45%	09/01/2023
3 - 5 months	2.231%	2.25%	09/01/2023
5 Months	4.929%	5.00%	09/01/2023
6 - 8 months	2.485%	2.50%	09/01/2023
9 - 11 months	2.741%	2.75%	09/01/2023
10 months	4.980%	5.00%	09/01/2023
12 - 17 months	3.455%	3.50%	09/01/2023
17 Months*	5.150%	5.25%	09/01/2023
18 - 23 months	3.455%	3.50%	09/01/2023
18 month Raise My Rate**	3.455%	3.50%	09/01/2023
24 - 35 months	3.455%	3.50%	09/01/2023
24 month Raise My Rate**	3.455%	3.50%	09/01/2023
36 - 47 months	3.455%	3.50%	09/01/2023
48 - 59 months	3.455%	3.50%	09/01/2023
60 months	3.601%	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.

Savings

Membership Share Savings Accounts

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


Balance Tiers	Dividend Rate	Annual Percentage Yield	Effective Date
$25.00 to $2,499.99	0.200%	0.20%	09/01/2023
$2,500.00 and above	0.200%	0.20%	09/01/2023
Fees may reduce earnings. Offered Annual Percentage Yields (APYs) are variable, meaning they may change at any time after account opening. During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours, overdraft protection transfers or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or Online Banking transfers. You may make unlimited withdrawals in person, at ATMs, by written withdrawal request delivered by mail or messenger, or by telephone request to mail a check payable to you at your address on file with us. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the credit union. Rates/Programs are subject to change without notice.

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).


Balance Tiers	Dividend Rate	Annual Percentage Yield	Effective Date
$0.01 - $2,499.99	0.000%	0.00%	09/01/2023
$2,500.00 - $24,999.99	0.499%	0.50%	09/01/2023
$25,000.00 - $49,999.99	0.847%	0.85%	09/01/2023
$50,000.00 - $99,999.99*	0.995%	1.00%	09/01/2023
$100,000.00 - $149,999.99*	1.243%	1.25%	09/01/2023
$150,000.00 - $299,999.99*	1.490%	1.50%	09/01/2023
$300,000.00 - $499,999.99*	1.884%	1.90%	09/01/2023
$500,000.00 - $999,999.99*	1.933%	1.95%	09/01/2023
$1,000,000.00 and above*	2.031%	2.05%	09/01/2023
*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). The Annual Percentage Rate (APY) offered on new accounts can change at any time and is subject to change after account opening. Fees may reduce earnings. During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours, overdraft protection transfers or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, or Online Banking transfers. You may make unlimited withdrawals in person, at ATMs, by written withdrawal request delivered by mail or messenger, or by telephone request to mail a check payable to you at your address on file with us. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the credit union.

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.)
Balance Tiers Dividend Rate Annual Percentage Yield Effective Date
$0.01 to $2,500.00 0.399% 0.40% 09/01/2023
$2,500.01 and above 0.499% 0.50% 09/01/2023
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

Balance Tiers	Dividend Rate	Annual Percentage Yield	Effective Date
$0.01 to $2,500.00	0.399%	0.40%	09/01/2023
$2,500.01 and above	0.499%	0.50%	09/01/2023


Account Types	Amount	Dividend Rate	Annual Percentage Yield	Effective Date
Basic Checking	N/A	N/A	N/A	N/A
Interest Checking	$0.01 - $1,499.99	0.000%	0.00%	09/01/2023
Interest Checking	$1,500.00 and above	0.100%	0.10%	09/01/2023

Loans

New Auto Loan Rates

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Term¹	Minimum Loan Amount²	Annual Percentage Rate³	Example: Payment per $1,000⁴	Effective Date
12 - 36 months	$5,000	6.14% - 15.14%	$34.73	09/01/2023
37 - 48 months	$5,000	6.24% - 15.24%	$27.95	09/01/2023
49 - 66 months	$5,000	6.49% - 15.49%	$22.60	09/01/2023
67 - 72 months	$15,000	7.09% - 16.09%	$21.74	09/01/2023
73 - 84 months	$25,000	7.84% - 9.34%	$16.26	09/01/2023
Vehicle Loan Terms: ¹Term subject to credit approval. ²Maximum loan amount based on approved credit. New (current model year) vehicles: Up to 125% of MSRP (including tax, license, document fees, and mechanical breakdown protection, or extended warranty), plus GAP on approved credit. ³Interest Rate will vary based on approved credit. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work. ⁴Payment per $1,000 is based on the highest interest rate with the maximum term. Financing available on purchases of new vehicles up to one model year old and less than 10,000 miles. All loans require Tech CU membership, credit approval, and you must meet security requirements. Other terms and conditions may apply.

Used Auto Rates

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Term¹	Minimum Loan Amount²	Annual Percentage Rate³	Example: Payment per $1,000⁴	Effective Date
12 - 36 months	$5,000	6.39% - 15.64%	$34.98	09/01/2023
37 - 48 months	$5,000	6.49% - 15.74%	$28.21	09/01/2023
49 - 66 months	$5,000	6.74% - 15.99%	$22.87	09/01/2023
67 - 72 months	$15,000	7.34% - 16.59%	$22.02	09/01/2023
73 - 84 months	$25,000	8.09% - 9.59%	$16.39	09/01/2023
Vehicle Loan Terms : ¹Term subject to credit approval. ²Maximum 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: Up to 125% of Kelley Blue Book Retail Value (including tax, license, document fees, and mechanical breakdown protection or extended warranty), plus GAP on approved credit. Used Vehicles over 7 years old or more than 100,000 miles: Up to 90% of Kelley Blue Book Retail Value (including tax, license, document fees, and mechanical breakdown protection or extended warranty), plus GAP on approved credit. ³Interest 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. ⁴Payment per $1,000 is based on the highest interest rate with the maximum term. Vehicles must be 4 model years or newer with less than 60,000 miles. All loans require Tech CU membership, credit approval, and you must meet security requirements. Tech CU will finance private party purchases for used vehicles registered in the state of California. Other terms and conditions may apply.

Mortgage Rates

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Home Equity Line of Credit

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Available Credit Limits	Maximum Loan-to-Value¹	Annual Percentage Rate²	Effective Date
$10,000 - $250,000	70%	8.50%	09/01/2023
$250,001 - $500,000	70%	9.00%	09/01/2023
$500,001 - $750,000	60%	9.00%	09/01/2023
Loans available for California 1-4-unit primary residences only. Final combined loan to value may vary based on type of property. 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.

Home Equity Loan

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Term in Months	Maximum Loan-to-Value¹	Amount	Annual Percentage Rate	Example Payment per $1,000²	Occupancy	Effective Date
12 - 180	70%	$25,000 - $250,000	8.750%	$9.99	Owner Occupied	09/01/2023
181 - 240	70%	$25,000 - $250,000	9.375%	$9.24	Owner Occupied	09/01/2023
12 - 180	60%	$25,000 - $150,000	9.250%	$10.29	Non-Owner Occupied	09/01/2023
181 - 240	60%	$25,000 - $150,000	9.875%	$9.57	Non-Owner Occupied	09/01/2023
For advertisement only. Rates and terms subject to change without notice. Additional conditions and restrictions may apply. 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. ²Payment per $1,000 is based on the highest interest rate with the maximum term. 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.

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

Individual Retirement Accounts

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


Dividend Rate	Annual Percentage Yield	Effective Date
0.200%	0.20%	09/01/2023
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.

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