• Rates in Texas

    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.
  • 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
  • Jumbo Flextime Certificates and Jumbo IRA Certificates

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

    Membership Share Savings Accounts

    • $25.00 minimum balance to open, maintain account and earn dividends.
  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $25.00 to $2,499.990.200%0.20%09/01/2023
    $2,500.00 and above0.200%0.20%09/01/2023
  • 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 TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 - $2,499.990.000%0.00%09/01/2023
    $2,500.00 - $24,999.990.499%0.50%09/01/2023
    $25,000.00 - $49,999.990.847%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
  • 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 RateAnnual Percentage YieldEffective Date
    0.200%0.20%09/01/2023
  • 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 TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 to $2,500.000.399%0.40%09/01/2023
    $2,500.01 and above0.499%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
  • Account TypesAmountDividend RateAnnual Percentage YieldEffective Date
    Basic CheckingN/AN/AN/AN/A
    Interest Checking$0.01 - $1,499.990.000%0.00%09/01/2023
    Interest Checking$1,500.00 and above0.100%0.10%09/01/2023
  • Loans

    New Auto Loan Rates

    Apply Now Make an Appointment

  • Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0005.99% - 14.99%$34.6601/03/2024
    37 - 48 months$5,0006.24% - 15.24%$27.9501/03/2024
    49 - 66 months$5,0006.49% - 15.49%$22.6001/03/2024
    67 - 72 months$15,0007.09% - 16.09%$21.7401/03/2024
    73 - 84 months$25,0007.84% - 9.34%$16.2601/03/2024
  • Used Auto Rates

    Apply Now Make an Appointment

  • Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0006.24% - 15.49%$34.9101/03/2024
    37 - 48 months$5,0006.49% - 15.74%$28.2101/03/2024
    49 - 66 months$5,0006.74% - 15.99%$22.8701/03/2024
    67 - 72 months$15,0007.34% - 16.59%$22.0201/03/2024
    73 - 84 months$25,0008.09% - 9.59%$16.3901/03/2024
  • View All Rates

    Consumer Accounts Rate Sheet icon

    Consumer Accounts Rate Sheet

    Consumer Loans Rate Sheet icon

    Consumer Loans Rate Sheet

    Business Accounts Rates & Yields icon

    Business Accounts Rates & Yields

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800-553-0880

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877-988-0471

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