Savings Accounts in Texas
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Tech CU offers five types of accounts to meet your everyday savings needs and those of your family. All savings accounts can be easily managed through Online, Mobile, and Call-24 Phone Banking, and they can be linked to a Tech CU Checking Account for free overdraft protection.* None of our savings accounts have monthly fees!
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Traditional Savings Accounts
Grow your cash while retaining easy access to it.
A Tech CU low-minimum Savings Account is perfect for funds you want to keep within easy reach while still getting interest dividends.
Open a Membership Savings Account with a minimum balance of $25 to become a member of Tech CU. The $25 is your "share" in Tech CU — you’re now a member and a shareholder! You can continue to use this account as a regular savings account, but the $25 membership balance will not be available for transactions and must remain in the account for membership.
Our Non-Membership Savings Account can be opened by any existing member who wishes to have a stand-alone Tech CU Savings Account to earn interest dividends with a low minimum balance.
Tech CU Savings Accounts offer benefits including availability for checking overdraft protection, access to over 85,000 ATMs in the US, and no monthly fees.
Student Savings Accounts
Tech CU offers a Student Savings Account as well. It’s never too early to develop good savings habits and to start earning interest dividends! Parents and guardians can co-sign for students under 18 years of age by making an appointment or calling (800) 553- 0880.
Money Market Plus Account
Earn higher interest dividends without tying up your cash.
If you’d like to earn interest on a larger sum of money while keeping it liquid, our flexible Money Market Plus Account is a great option. With a balance of $2,500 or more you’ll get some of the best Money Market Plus rates around.
For Money Market Plus account balances of $50,000 and up, you’ll receive a rate boost of 0.10% when you open a Tech CU Checking Account and sign up for direct deposit.**
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Health Savings Account
Use pre-tax dollars to pay for medical expenses.
A Health Savings Account (HSA) is designed to help you save pre-tax dollars for qualified medical expenses if you have an HSA-eligible health insurance policy. The tax advantage helps offset rising health care costs.*** Tech CU offers both Single and Family HSA accounts with debit card access.
Save money for current and future out-of-pocket medical expenses like doctor visits, dental care, vision care, and prescriptions. Since there is no time limit on your HSA funds, any unused balance carries over from one year to the next. These funds never expire.
With free Bill Pay for HSAs, it is easy to manage your HSA and medical bills online:
- Make one-time payments for bills with fluctuating payment amounts
- Transfer funds between your HSA and other Tech CU Accounts
- View your payment history online or download it onto a spreadsheet
Like our other savings accounts, the Tech CU HSA Account has no monthly fee. We also do not charge an account adjustment fee. Your initial HSA Visa® Debit Card is free ($5 per card if replacement cards exceed two in a 12-month period) and personalized checks are available upon request (standard printing charges apply).
Open an AccountMake an AppointmentCompare AccountsManage My HSA Account
Explore your health savings goals with Tech CU’s calculator.
|
|
Membership Savings Account |
Non-Membership Savings Account |
Student Savings Account |
Money Market Plus Account |
Health Savings Account |
|---|---|---|---|---|---|
|
Monthly Maintenance Fee |
Membership Savings Account $0 |
Non-Membership Savings Account $0 |
Student Savings Account $0 |
Money Market Plus Account $0 |
Health Savings Account $0 |
|
Minimum Balance to Maintain Account |
Membership Savings Account $25 |
Non-Membership Savings Account $25 |
Student Savings Account $25 |
Money Market Plus Account $0.01 |
Health Savings Account $0.01 |
|
Minimum Balance to Earn Dividends |
Membership Savings Account $25 |
Non-Membership Savings Account $25 |
Student Savings Account $25 |
Money Market Plus Account $2,500 |
Health Savings Account $0.01 |
|
Dividend Period1 |
Membership Savings Account Quarterly |
Non-Membership Savings Account Quarterly |
Student Savings Account Quarterly |
Money Market Plus Account Monthly |
Health Savings Account Monthly |
|
Incoming Wire Transfers |
Membership Savings Account $0 |
Non-Membership Savings Account $0 |
Student Savings Account $0 |
Money Market Plus Account $0 |
Health Savings Account $0 |
|
Outgoing Domestic Wire Transfers |
Membership Savings Account $15 |
Non-Membership Savings Account $15 |
Student Savings Account $15 |
Money Market Plus Account $15 |
Health Savings Account N/A |
|
Outgoing Int’l Wire Transfers |
Membership Savings Account $40 |
Non-Membership Savings Account $40 |
Student Savings Account $40 |
Money Market Plus Account $40 |
Health Savings Account N/A |
|
Free Overdraft Protection for Checking |
Membership Savings Account Yes |
Non-Membership Savings Account Yes |
Student Savings Account Yes |
Money Market Plus Account Yes |
Health Savings Account No |
Open an AccountMake an AppointmentSee Savings Account Rates
Our low or no fees can be found in the Tech CU Consumer Schedule of Fees.
Want to look at different scenarios for your savings? Explore with Tech CU’s calculators:
*Does not apply to Health Savings Accounts (HSA).
**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 (minimum balance requirement of $50,000 still applies).
*** Please consult a tax advisor.
During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours, overdraft protection transfers, or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or Online Banking transfers. You may make unlimited withdrawals in person, at ATMs, by written withdrawal request delivered by mail or messenger, or by telephone request to mail a check payable to you at your address on file with us. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the credit union. This does not apply to Health Savings Accounts (HSA).
