NOTICE: The San Francisco branch is temporarily closed due to the shelter in place guidelines. The following branches are open: Campbell, Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa and Sunnyvale. Our branch ATMs remain operational, with the exception that we may need to temporarily restrict access to select ATMs due to local conditions. Click here for branch locations and hours.

  • 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.

    Featured Rates

    EFFECTIVE DATE: 3/24/2020

    New Auto Loan Rates
      Minimum Loan Amount1  APR2  Example: Payment per $10003  
    12-36 months $5,000 2.99% - 11.99% $33.21
    37-66 months $5,000 3.24%-12.24% $20.89
    67-72 months1 $15,000 3.74% - 12.74% $19.94
    73-84 months1,5 $25,000 4.49% - 4.74% $14.01

    Apply Now Make an Appointment  

    EFFECTIVE DATE: 3/24/2020

    Used Auto Rates
      Minimum Loan Amount1   APR2   Example: Payment per $10003  
    12-36 months $5,000 3.24% - 12.49% $33.45
    37-66 months $5,000 3.49%-12.74% $21.15
    67-72 months1 $15,000 3.99% - 13.24% $20.20

    Apply Now Make an Appointment

  • Mortgage Rates
    MortgagesRateAPR*Points
    3 Year Conforming Adjustable Rate2.750%2.759%0.000%
    15 Year Conforming Fixed Rate2.750%2.759%0.000%
    30 year Conforming Fixed Rate3.500%3.509%0.000%
    5/1 Conforming Rate2.875%2.884%0.000%
    3/1 Conforming Rate2.750%2.759%0.000%
  • Learn More or Apply Now Find a Mortgage Consultant

    EFFECTIVE DATE: 4/24/2020

    Home Equity Line of Credit
    Available Credit Limits   Maximum LTV 1   Annual Percentage Rate2  
    $500,001 – $750,000 60% 3.75%
    $250,001 – $500,000 70% 3.75%
    $10,000 – $250,000 70% 3.25%

    Apply Now Make an Appointment  

    Home Equity Loan
    Term   Maximum LTV1  Amount  

    Annual
    Percentage Rate

    Example Payment
    per $10002
     
    15 Years 70% $25,000 - 250,000 5.25% $8.05
    20 years 70% $25,000 - 250,000 5.875% $7.10

    Apply Now Make an Appointment   

    This information is part of our Truth in Savings Disclosure. Please refer to your Member Handbook for additional account information.

    Savings

    Membership Share Savings Accounts (effective date: 1/1/2018)

    • $25.00 minimum balance to open, maintain account and earn dividends.
    Membership Share Savings Accounts
    Balance Tiers Dividend Rate APY
    $25.00-$2,499.99 0.250% 0.25%
    $2,500.00 and above 0.250% 0.25%

    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).
    Money Market Plus Accounts
    Balance Tiers Dividend Rate APY Effective Date
    $0.01-$2,499.99 0.00% 0.00% 1/1/2001
    $2,500.00-$24,999.99 0.250% 0.25% 5/1/2020
    $25,000.00-$49,999.99 0.300% 0.30% 5/1/2020
    $50,000.00-$99,999.99 0.449% 0.45% 6/1/2020
    $100,000.00-$149,999.99 0.499% 0.50% 6/1/2020
    $150,000.00-$299,999.99 0.549% 0.55% 6/1/2020
    $300,000.00-$499,999.99 0.598% 0.60% 6/1/2020
    $500,000.00-$999,999.99 0.648% 0.65% 6/1/2020
    $1,000,000.00 and above 1.045% 1.05% 6/1/2020

    Health Savings Accounts (effective date: 2/1/2014)

    • $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.)

    Health Savings Accounts
    Balance Tiers Dividend Rate APY
    $0.01-$2,500.00 0.499% 0.50%
    $2,500.01 and above 0.598% 0.60%

    Insured Investment Accounts

    • TIERED EARNINGS
    • $0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account.
    Insured Investment Accounts
    Balance Tiers Dividend Rate APY Effective Date
    $0.01-$2,499.99 0.00% 0.00% 1/1/2001
    $2,500.00-$24,999.99 0.250% 0.25% 2/1/2018
    $25,000.00-$49,999.99 0.250% 0.25% 5/1/2020
    $50,000.00-$99,999.99 0.349% 0.35% 5/1/2020
    $100,000.00-$149,999.99 0.349% 0.35% 5/1/2020
    $150,000.00 and above 0.399% 0.40% 5/1/2020

    Checking

    Checking (Share Draft) Accounts (effective date: 1/1/2020)

    • $0.00 minimum balance to open account.
    • $0.01 minimum balance to maintain account.
    • $0.01 minimum balance to earn dividends on Interest Checking.
    Checking (Share Draft) Accounts
    Account Types Dividend Rate APY
    Basic Checking N/A N/A
    Interest Checking 0.150% 0.15%

    Certificates

    Flextime Certificates and IRA Certificates

    • $1,000.00 minimum balance to open a Flextime or IRA Certificate.
    Flextime Certificates and IRA Certificates
    Terms Dividend Rate APY Effective Date
    3 to 5 months 0.399% 0.40% 4/1/2020
    6 to 8 months 0.699% 0.70% 4/1/2020
    9 to 11 months 0.749% 0.75% 4/1/2020
    12 to 17 months 1.046% 1.05% 6/1/2020
    18 to 23 months 1.145% 1.15% 6/1/2020
    18 month Raise My Rate* 1.145% 1.15% 6/1/2020
    24 to 35 months 1.244% 1.25% 6/1/2020
    24 month Raise My Rate* 1.244% 1.25% 6/1/2020
    36 to 47 months 1.343% 1.35% 6/1/2020
    48 to 59 months 1.442% 1.45% 6/1/2020
    60 months 1.541% 1.55% 6/1/2020

    Jumbo Flextime Certificates and Jumbo IRA Certificates

    • $95,000.00 minimum balance to open a Jumbo Flextime or Jumbo IRA Certificate.
    Jumbo Flextime Certificates and Jumbo IRA Certificates
    Terms Dividend Rate APY Effective Date
    14 to 29 days 0.150% 0.15% 4/1/2020
    1 month 0.200% 0.20% 4/1/2020
    2 months 0.300% 0.30% 4/1/2020
    3 to 5 months 0.399% 0.40% 4/1/2020
    6 to 8 months 0.699% 0.70% 4/1/2020
    9 to 11 months 0.749% 0.75% 4/1/2020
    12 to 17 months 1.046% 1.05% 6/1/2020
    18 to 23 months 1.145% 1.15% 6/1/2020
    18 month Raise My Rate* 1.145% 1.15% 6/1/2020
    24 to 35 months 1.244% 1.25% 6/1/2020
    24 month Raise My Rate* 1.244% 1.25% 6/1/2020
    36 to 47 months 1.343% 1.35% 6/1/2020
    48 to 59 months 1.442% 1.45% 6/1/2020
    60 months 1.541% 1.55% 6/1/2020

    Individual Retirement Accounts 

    (effective date: 1/1/2018)

    • $25.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.
    Individual Retirement Accounts
    Dividend Rate APY
    0.250% 0.25%
  • View All Rates

    Consumer Accounts Rate Sheet

    Consumer Loans

    Business Accounts Rates & Yeilds

    Mortgage

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(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

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