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Business Account Rate Sheet

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The following dividend rates, yields and minimum balances apply to business accounts. Please refer to the Business Member Handbook for additional account information.


Business Savings (Share) Accounts

TIERED EARNINGS

$25.00 minimum balance to open, maintain account and earn dividends.

Balance Tiers Dividend Rate Annual Percentage Yield Effective Date
Balance Tiers
$25.00 to $2,499.99
Dividend Rate
0.200%
Annual Percentage Yield
0.20%
Effective Date
08/05/2025
Balance Tiers
$2,500.00 and above
Dividend Rate
0.200%
Annual Percentage Yield
0.20%
Effective Date
08/05/2025

Requires a $25 initial deposit to open. First 25 transactions are free. Excess fee over 25 transactions. $2.00 for both debits and credits. Fees may reduce earnings. Annual Percentage Yield may change at any time.


Business Money Market Plus Accounts

TIERED EARNINGS

$2,500.00 minimum balance to open account and earn dividends. $0.01 minimum balance to maintain account.

For balances of $50,000 and up, receive a boost rate of 0.10% with a Tech CU Business Interest Checking Account.

Balance Tiers Dividend Rate Annual Perecentage Yield Effective Date
Balance Tiers
$0.01 - $2,499.99
Dividend Rate
0.000%
Annual Perecentage Yield
0.00%
Effective Date
08/05/2025
Balance Tiers
$2,500.00 - $24,999.99
Dividend Rate
0.499%
Annual Perecentage Yield
0.50%
Effective Date
08/05/2025
Balance Tiers
$25,000.00 - $49,999.99
Dividend Rate
0.847%
Annual Perecentage Yield
0.85%
Effective Date
08/05/2025
Balance Tiers
$50,000.00 - $99,999.99*
Dividend Rate
0.995%
Annual Perecentage Yield
1.00%
Effective Date
08/05/2025
Balance Tiers
$100,000.00 - $149,999.99*
Dividend Rate
1.243%
Annual Perecentage Yield
1.25%
Effective Date
08/05/2025
Balance Tiers
$150,000.00 - $299,999.99*
Dividend Rate
1.490%
Annual Perecentage Yield
1.50%
Effective Date
08/05/2025
Balance Tiers
$300,000.00 - $499,999.99*
Dividend Rate
1.884%
Annual Perecentage Yield
1.90%
Effective Date
08/05/2025
Balance Tiers
$500,000.00 - $999,999.99*
Dividend Rate
1.933%
Annual Perecentage Yield
1.95%
Effective Date
08/05/2025
Balance Tiers
$1,000,000.00 and above*
Dividend Rate
2.031%
Annual Perecentage Yield
2.05%
Effective Date
08/05/2025

*For balances of $50,000 and up, receive a rate boost of 0.10% with a Business Interest Checking Account and a balance greater than $50,000.00.

Dividends are calculated daily and paid monthly. Rates are subject to change without notice. *During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the credit union or to a fee of $10.00. Non-personal withdrawals in excess of 6 per month may not be paid and a return fee of $28.00 may be assessed per check.


Business Checking (Share Draft) Accounts

$100.00 minimum balance to open a Business Checking Account.

$0.01 minimum balance required to earn dividends on Business Interest Checking Accounts.

Account Types Dividend Rate Annual Percentage Yield Effective Date
Account Types
Basic Checking
Dividend Rate
N/A
Annual Percentage Yield
N/A
Effective Date
N/A
Account Types
Interest Checking
Dividend Rate
0.100%
Annual Percentage Yield
0.10%
Effective Date
08/05/2025

APY means annual percentage yield. Unless otherwise noted, accounts have variable rates, meaning the rate can change at any time at the discretion of the Tech CU Board of Directors after the account is opened. Fees may reduce earnings on all account types that earn dividends.


Business Liquid Certificate

Business 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

Term Dividend Rate Annual Percentage Yield Effective Date
Term
3 Month
Dividend Rate
3.698%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
4 Month
Dividend Rate
3.704%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
5 Month
Dividend Rate
3.710%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025

*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.

Business Certificates

$1,000.00 minimum balance to open a Business Certificate.

Term Dividend Rate Annual Percentage Yield Effective Date
Term
3 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
5 Month
Dividend Rate
3.954%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
6 Month
Dividend Rate
3.961%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
9 Month
Dividend Rate
3.980%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
10 Month
Dividend Rate
3.738%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
12 Month
Dividend Rate
3.698%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
15 Month
Dividend Rate
3.698%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
17 Month*
Dividend Rate
3.698%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
18 Month
Dividend Rate
3.698%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
24 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
36 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
48 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
60 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025

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.


Business Jumbo Certificates

$95,000.00 minimum balance to open a Business Jumbo Certificate

Term Dividend Rate Annual Percentage Yield Effective Date
Term
15 Day
Dividend Rate
0.300%
Annual Percentage Yield
0.30%
Effective Date
08/05/2025
Term
1 Month
Dividend Rate
0.349%
Annual Percentage Yield
0.35%
Effective Date
08/05/2025
Term
2 Month
Dividend Rate
0.449%
Annual Percentage Yield
0.45%
Effective Date
08/05/2025
Term
3 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
5 Month
Dividend Rate
3.954%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
6 Month
Dividend Rate
3.961%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
9 Month
Dividend Rate
3.980%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
10 Month
Dividend Rate
3.738%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
12 Month
Dividend Rate
3.698%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
17 Month*
Dividend Rate
3.698%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
18 Month
Dividend Rate
3.698%
Annual Percentage Yield
3.75%
Effective Date
08/05/2025
Term
24 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
36 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
48 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025
Term
60 Month
Dividend Rate
3.941%
Annual Percentage Yield
4.00%
Effective Date
08/05/2025

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.

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