Credit union · NCUA insured
Technology Credit Union CD Rates
Technology Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Technology Credit Union’s CD rates compare
Compared with banks and credit unions near San Jose, CA, where Technology Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Technology Credit Union
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
Consumer Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Technology Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Technology Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Consumer Certificate
Up to 4.00%APY · 13 terms
Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 5 months | 3.50% | $144 |
| 6 months | 3.50% | $173 |
| 9 months | 3.65% | $273 |
| 10 months | 3.65% | $303 |
| 12 months | 4.00% | $400 |
| 15 months | 3.50% | $439 |
| 17 monthsRequires deposit and maintenance of minimum $1,000 new-to-Tech CU money deposited from external source within preceding 21 days | 3.50% | $499 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- techcu.com/Resources/Rates · captured Sep 16, 2026
Jumbo Consumer Certificate
Up to 4.00%APY · 14 terms
Minimum opening balance of $95,000. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 15 days | 0.30% | — |
| 1 month | 0.35% | — |
| 2 months | 0.45% | — |
| 3 months | 3.50% | — |
| 5 months | 3.50% | — |
| 6 months | 3.50% | — |
| 9 months | 3.65% | — |
| 10 months | 3.65% | — |
| 12 months | 4.00% | — |
| 17 monthsRequires deposit and maintenance of minimum $1,000 new-to-Tech CU money deposited from external source within preceding 21 days | 3.50% | — |
| 18 months | 4.00% | — |
| 24 months | 4.00% | — |
| 36 months | 3.75% | — |
| 48 months | 3.75% | — |
| 60 months | 3.75% | — |
Sources (1)
- techcu.com/Resources/Rates · captured Sep 16, 2026
Liquid Certificate
3.65%APY · 3 terms
Minimum opening balance of $1,000 in new-to-Tech CU money (funds external to Tech CU within preceding 21 days). Unlimited new-to-Tech CU deposits allowed. One penalty-free withdrawal per calendar month permitted six days after opening, provided withdrawals are more than six days apart and minimum $1,000 balance is maintained.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDeposit and maintain minimum $1,000 new-to-Tech CU money | 3.65% | $90 |
| 4 monthsDeposit and maintain minimum $1,000 new-to-Tech CU money | 3.65% | $120 |
| 5 monthsDeposit and maintain minimum $1,000 new-to-Tech CU money | 3.65% | $150 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 13 terms
Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Automatically renews at maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 5 months | 3.50% | $144 |
| 6 months | 3.50% | $173 |
| 9 months | 3.65% | $273 |
| 10 months | 3.65% | $303 |
| 12 months | 4.00% | $400 |
| 15 months | 3.50% | $439 |
| 17 monthsRequires deposit and maintenance of minimum $1,000 new-to-Tech CU money deposited from external source within preceding 21 days | 3.50% | $499 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- techcu.com/Resources/Rates · captured Sep 16, 2026
Jumbo IRA Certificate
Up to 4.00%APY · 14 terms
Minimum opening balance of $95,000. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 15 days | 0.30% | — |
| 1 month | 0.35% | — |
| 2 months | 0.45% | — |
| 3 months | 3.50% | — |
| 5 months | 3.50% | — |
| 6 months | 3.50% | — |
| 9 months | 3.65% | — |
| 10 months | 3.65% | — |
| 12 months | 4.00% | — |
| 17 monthsRequires deposit and maintenance of minimum $1,000 new-to-Tech CU money deposited from external source within preceding 21 days | 3.50% | — |
| 18 months | 4.00% | — |
| 24 months | 4.00% | — |
| 36 months | 3.75% | — |
| 48 months | 3.75% | — |
| 60 months | 3.75% | — |
Sources (1)
- techcu.com/Resources/Rates · captured Sep 16, 2026
Who can join Technology Credit Union
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).
Membership information collected October 5, 2026.