• 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

    Liquid Certificate

    Liquid Certificates offer members a choice of three short-term certificates (3, 4 and 5-month terms) at a competitive rate while providing easy and flexible access to the Certificate deposit.

    • Minimum opening balance of $1,000 in “new to Tech CU” money.
    • Unlimited funds can be withdrawn without penalty six days after certificate opening. However, a minimum of $1,000 must be maintained in the account.
    • One withdrawal per calendar month may be made during the term of the Certificate.
    • Withdrawals must be made more than six days apart irrespective of the month in which they are made.
  • TermDividend RateAnnual Percentage YieldEffective Date
    3 Months3.941%4.00%12/05/2024
    4 Months3.948%4.00%12/05/2024
    5 Months3.954%4.00%12/05/2024
  • Consumer Certificates and IRA Certificates

    • $1,000.00 minimum balance to open a Certificate.
  • TermDividend RateAnnual Percentage YieldEffective Date
    1/2 MonthN/AN/AN/A
    1 MonthN/AN/AN/A
    2 MonthsN/AN/AN/A
    3 Months3.941%4.00%12/05/2024
    5 Months3.954%4.00%12/05/2024
    6 Months4.206%4.25%12/05/2024
    9 Months3.881%3.90%12/05/2024
    10 Months3.888%3.90%12/05/2024
    12 Months3.941%4.00%12/05/2024
    15 Months3.698%3.75%12/05/2024
    17 Months*3.698%3.75%12/05/2024
    18 Months3.698%3.75%12/05/2024
    18 Month Raise My Rate**3.698%3.75%12/05/2024
    24 Months3.455%3.50%12/05/2024
    24 Month Raise My Rate**3.455%3.50%12/05/2024
    36 Months3.455%3.50%12/05/2024
    48 Months3.455%3.50%12/05/2024
    60 Months3.601%3.65%12/05/2024
  • Jumbo Consumer Certificates and Jumbo IRA Certificates

    • $95,000.00 minimum balance to open a Jumbo Certificate or Jumbo IRA Certificate.
  • TermDividend RateAnnual Percentage YieldEffective Date
    1/2 Month0.300%0.30%12/05/2024
    1 Month0.349%0.35%12/05/2024
    2 Months0.449%0.45%12/05/2024
    3 Months3.941%4.00%12/05/2024
    5 Months3.954%4.00%12/05/2024
    6 Months4.206%4.25%12/05/2024
    9 Months3.881%3.90%12/05/2024
    10 Months3.888%3.90%12/05/2024
    12 Months3.941%4.00%12/05/2024
    17 Months*3.698%3.75%12/05/2024
    18 Months3.698%3.75%12/05/2024
    18 Month Raise My Rate**3.698%3.75%12/05/2024
    24 Months3.455%3.50%12/05/2024
    24 Month Raise My Rate**3.455%3.50%12/05/2024
    36 Months3.455%3.50%12/05/2024
    48 Months3.455%3.50%12/05/2024
    60 Months3.601%3.65%12/05/2024
  • 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%12/05/2024
    $2,500.00 and above0.200%0.20%12/05/2024
  • 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.
  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 - $2,499.990.000%0.00%12/05/2024
    $2,500.00 - $24,999.990.499%0.50%12/05/2024
    $25,000.00 - $49,999.990.847%0.85%12/05/2024
    $50,000.00 - $99,999.99*0.995%1.00%12/05/2024
    $100,000.00 - $149,999.99*1.243%1.25%12/05/2024
    $150,000.00 - $299,999.99*1.490%1.50%12/05/2024
    $300,000.00 - $499,999.99*1.884%1.90%12/05/2024
    $500,000.00 - $999,999.99*1.933%1.95%12/05/2024
    $1,000,000.00 and above*2.031%2.05%12/05/2024
  • 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%12/05/2024
  • 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%12/05/2024
    $2,500.01 and above0.499%0.50%12/05/2024
  • 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%12/05/2024
    Interest Checking$1,500.00 and above0.100%0.10%12/05/2024
  • Loans

    New Auto Loan Rates

    Apply Now Make an Appointment

  • Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0005.74% - 14.74%$34.5412/05/2024
    37 - 48 months$5,0005.99% - 14.99%$27.8312/05/2024
    49 - 66 months$5,0005.99% - 14.99%$22.3412/05/2024
    67 - 72 months$15,0006.49% - 15.49%$21.4112/05/2024
    73 - 84 months$25,0007.09% - 8.59%$15.8812/05/2024
  • Used Auto Rates

    Apply Now Make an Appointment

  • Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0005.99% - 15.24%$34.7812/05/2024
    37 - 48 months$5,0006.24% - 15.49%$28.0812/05/2024
    49 - 66 months$5,0006.24% - 15.49%$22.6012/05/2024
    67 - 72 months$15,0006.74% - 15.99%$21.6912/05/2024
    73 - 84 months$25,0007.34% - 8.84%$16.0112/05/2024
  • View All Rates

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    Consumer Accounts Rate Sheet

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    Consumer Loans Rate Sheet

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    Business Accounts Rates & Yields

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800-553-0880

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877-988-0471

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