Credit union · NCUA insured
Technology Credit Union
A $4.7B credit union, the 102nd largest of 4,329, headquartered in San Jose, CA, with 174,822 members and 11 branches in 3 states. Best rates: CDs 4.00% and savings 0.20% APY.
Technology Credit Union Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#16 of 39 in San Jose, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Technology Credit Union
Founded in 1960, Technology Credit Union (Tech CU) is a member-owned institution serving Silicon Valley and beyond.
- Headquarters
- 2010 N 1st St, San Jose, CA 95131-2018
- NCUA charter
- 68383
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Santa Clara, San Mateo, Alameda, Contra Costa, Santa Cruz, San Francisco, Marin, Napa, Solano, Sonoma, Los Angeles, Orange, San Diego, Sacramento, and San Joaquin Counties in California.
- Membership is open to anyone who lives or works in Canyon or Ada Counties in Idaho.
Employers and groups
- Membership is open to employees and employers of public or private technology-based entities with a location in California.
- Membership is open to employees of TechCU@Work companies anywhere in the United States.
Family and household
- Membership is open to family members of current Tech CU members anywhere in the United States.
Other ways
- Membership is open to members of affiliated organizations including the Financial Fitness Association, the Northern California Human Resource Association (NCHRA), or the San Jose State University Alumni Association (SJSUAA).
Branches
11 branches in 3 states
Loading map…
California
9 branches
San Jose area · 7
- Corporate OfficeMain office2010 N 1st St, San Jose, CA 95131Directions
- Cupertino Branch10051 S De Anza Blvd, Cupertino, CA 95014Directions
- Milpitas Branch360 Cypress Dr, Milpitas, CA 95035Directions
- Palo Alto Branch490 California Ave, Palo Alto, CA 94306Directions
- Campbell Branch1562 S Bascom Ave, San Jose, CA 95125Directions
- Santa Teresa Branch846 Blossom Hill Rd, San Jose, CA 95123Directions
- Sunnyvale Branch333 W El Camino Real, Sunnyvale, CA 94087Directions
San Francisco area · 2
- Dublin Branch6601 Dublin Blvd Ste A, Dublin, CA 94568Directions
- Fremont Branch43848 Pacific Commons Blvd, Fremont, CA 94538Directions
Idaho
1 branch
- Meridian Branch1394 W Chinden Blvd, Meridian, ID 83646Directions
Texas
1 branch
- Austin Branch823 Congress Ave Ste 300, Austin, TX 78701Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.32% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.57% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.11% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalNet worth ratio11.32%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.57%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.11%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Technology Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.