Credit union · NCUA insured
Technology Credit Union Savings Rates
Technology Credit Union’s best savings rate is 0.20% APY on $10,000, with its Membership Savings Account. Rates checked October 16, 2026.
How Technology Credit Union’s savings 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
0.50%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $50
Money Market Plus Accounts
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Technology Credit Union savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified3.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Savings Account
3.25%APY on $10,000
$100.00 opening deposit required with new-to-Tech CU money (deposited from an external source within 21 days of account opening). $0.01 minimum balance to maintain account and earn dividends. No monthly maintenance fee. Must open and accompany a Tech CU Checking Account on membership for qualified tier rates; if qualifying transactions are not posted during the calendar month, unqualified rates apply. Blended tiered APY. Overdraft protection not available. Limited to one per membership. Not available on Business, IRA, or HSA.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 3.93% |
| $5,000 – $10,000 | 2.47% |
| $10,000 – $20,000 | 1.49% |
| Over $20,000 | 0.20% |
On $10,000 the tiers blend to about 3.25% APY, earning $325 a year.
Sources (1)
- techcu.com/Resources/Rates/Consumer-Accounts · captured Oct 6, 2026
Money Market Plus Accounts
0.50%APY
$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. Direct deposit criteria waived with a private banking relationship.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500$0.01 minimum balance to maintain account. $2,500.00 to earn dividends. | 0.00% | — | $0.01 minimum balance to maintain account. $2,500.00 to earn dividends. |
| $2,500 – $25,000 | 0.50% | $50 | |
| $25,000 – $50,000 | 0.85% | — | |
| $50,000 – $100,000For 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). | 1.00% | — | 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). |
| $100,000 – $150,000For 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). | 1.25% | — | 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). |
| $150,000 – $300,000For 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). | 1.50% | — | 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). |
| $300,000 – $500,000For 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). | 1.90% | — | 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). |
| $500,000 – $1,000,000For 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). | 1.95% | — | 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). |
| $1,000,000 and upFor 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). | 2.05% | — | 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. Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). |
Sources (2)
All captured Oct 6, 2026
Membership Savings Account
0.20%APY
$25.00 minimum balance to open, maintain account and earn dividends. $25 is member share and not available for transactions. Linked to Checking for free overdraft protection. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.20% | — |
| $2,500 and up | 0.20% | $20 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.50%APY
Must have an HSA-eligible health insurance policy. $0.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends. No monthly fee. Free initial debit card. Tiered earnings: if balance is $2,500.01 or higher, the first $2,500.00 earns the tier 1 rate and the balance over $2,500.00 earns tier 2 rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500 | 0.40% | — | |
| Over $2,500Tiered earnings apply: balance over $2,500.00 earns 0.50% APY while the first $2,500.00 earns the lower tier rate. | 0.50% | $50 | Tiered earnings apply: balance over $2,500.00 earns 0.50% APY while the first $2,500.00 earns the lower tier rate. |
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.20%APY
For individuals with earned income. Traditional or Roth IRAs. $25.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends. No annual maintenance fees. Dividends calculated daily and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
Sources (3)
- techcu.com/Resources/Rates
- techcu.com/Personal/Accounts/S…dual-Retirement-Accounts
- techcu.com/Personal/Accounts/S…rement-Accounts/CA-Other
All captured Oct 6, 2026
Student Savings Account
0.20%APY
For students. Parents and guardians can co-sign for students under 18 years of age. $25 minimum balance to open, maintain account and earn dividends. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.20% | — |
| $2,500 and up | 0.20% | $20 |
Sources (2)
All captured Oct 6, 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.