Business Certificates
If you're looking for a higher rate of return, consider our Business Certificates.
If you're looking for a higher rate of return, a Business Certificate is a great way to get the most out of your money.
You also have the option of depositing your earned dividends into your Tech CU Savings or Checking Account monthly (available on certificates with terms of 6 months or longer). The dividends can also be reinvested into the certificate upon maturity.
Types of Business Certificates
Business Liquid Certificate
BBusiness 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 $95,000 in “new to Tech CU”** money.
- Additional money can be deposited at any time during the term.
- Funds can be withdrawn without penalty six days after certificate opening. However, a minimum of $95,000 must be maintained in the account.
- One withdrawal per calendar month may be made during the term of the Certificate if it is made six days apart from any previous withdrawal, irrespective of the month in which the withdrawal is being made.
Business Liquid Certificate Rates
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Term
3 Month
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Dividend Rate
3.698%
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Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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Term
4 Month
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Dividend Rate
3.704%
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Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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Term
5 Month
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Dividend Rate
3.710%
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Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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*Annual Percentage Yield (APY)
** “New-to-Tech CU money” means funds from a source external to Tech CU deposited into a member’s account within 21 days of new Certificate opening. No maximum deposit applies.
APY is available to Tech CU business members who either (a) deposit and maintain a minimum of $95,000 of “New-to-Tech CU” money into a new Liquid Certificate account, meaning the total deposit must have come from a source external to Tech CU within the twenty-one (21) days preceding the opening of the Certificate or (b) reinvest a minimum of $95,000 from a qualifying maturing business certificate. Rates and terms subject to change without prior notice and may not be combined with other offers. If the Certificate is closed before it matures, dividends will be forfeited. Penalties will be imposed for early withdrawals. See Tech CU’s Business Membership Account Agreements and Disclosures for more details.
Open your Certificate today! Visit a Branch or contact our Cash Management Services line @ 408-441-4752.
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|---|---|---|---|
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Term
3 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
5 Month
|
Dividend Rate
3.954%
|
Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
6 Month
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Dividend Rate
3.961%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
9 Month
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Dividend Rate
3.980%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
10 Month
|
Dividend Rate
3.738%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
12 Month
|
Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
15 Month
|
Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
17 Month*
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Dividend Rate
3.698%
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Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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Term
18 Month
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Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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Term
24 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
36 Month
|
Dividend Rate
3.941%
|
Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
48 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
60 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Annual Percentage Yield is accurate as of the effective date. No maximum deposit applies. Penalties will be imposed for early withdrawals. See Tech CU's Truth in Savings Account Disclosure for more details.
* Available to Tech CU members who deposit and maintain a minimum of $1000 of "new to Tech CU" money into a new Certificate account, meaning the total deposit must come from a source external to Tech CU within the 21 (twenty-one) days preceding the opening of the Certificate.
Jumbo Certificates ($95,000 or more)
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Term
15 Day
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Dividend Rate
0.300%
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Annual Percentage Yield
0.30%
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Effective Date
08/05/2025
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Term
1 Month
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Dividend Rate
0.349%
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Annual Percentage Yield
0.35%
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Effective Date
08/05/2025
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Term
2 Month
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Dividend Rate
0.449%
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Annual Percentage Yield
0.45%
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Effective Date
08/05/2025
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Term
3 Month
|
Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
5 Month
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Dividend Rate
3.954%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
6 Month
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Dividend Rate
3.961%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
9 Month
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Dividend Rate
3.980%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
10 Month
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Dividend Rate
3.738%
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Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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Term
12 Month
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Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
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Effective Date
08/05/2025
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Term
17 Month*
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Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
18 Month
|
Dividend Rate
3.698%
|
Annual Percentage Yield
3.75%
|
Effective Date
08/05/2025
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Term
24 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
36 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
48 Month
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Dividend Rate
3.941%
|
Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Term
60 Month
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Dividend Rate
3.941%
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Annual Percentage Yield
4.00%
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Effective Date
08/05/2025
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Annual Percentage Yield is accurate as of the effective date. No maximum deposit applies. Penalties will be imposed for early withdrawals. See Tech CU's Truth in Savings Account Disclosure for more details.
* Available to Tech CU members who deposit and maintain a minimum of $1000 of "new to Tech CU" money into a new Certificate account, meaning the total deposit must come from a source external to Tech CU within the 21 (twenty-one) days preceding the opening of the Certificate.
OPEN YOUR ACCOUNT TODAY
Contact a Commercial Banker at (800) 553-0880 to get started, or fill out our Contact Form. You can expect a response within 1-2 business days.
