Average User Rating:1 star rating based on 5 reviews.
Technology Credit Union
Technology Credit Union Locations|
2010 North First Street San Jose, CA 95131 (408) 451-9111 www.techcu.com  |
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Technology Credit Union is headquartered in San Jose and is the 19st largest credit union in the state of California. It is also the 98th largest credit union in the nation. It was established in 1960 and as of December of 2012, it had grown to 237 employees and 69,381 members. Technology Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.
Related Posts
Judge Says Tech CU Does Not Have To Hand Over Member List (Forum) - 10/3/2012
From the Credit Union Journal The dissident members, who rallied votes that helped prevent Tech CU from converting to a mutual savings bank, had asked for full access to the credit union’s membership list. Tech CU instead offered to forward e-mails
Members Vote Against Converting Tech Credit Union Into A Bank (Forum) - 9/21/2012
From the Credit Union Journal Members of $1.6-billion Technology Credit Union resoundingly defeated a proposed charter change to a mutual savings bank – with 77% of those voting opposed to the conversion – much to the delight of those who want
Members Fight To Win Vote Against Credit Union Conversion (Forum) - 7/12/2012
This is an interesting case of two members of Technology Credit Union trying to stop their credit union from converting into a mutual bank. From the Credit Union Times: Two members of the 69,000-member Technology Credit Union have notified the credit unio
Tech Credit Union Offering Cash, iPads For Votes In Bank Conversion Balloting (Forum) - 6/28/2012
From the Credit Union Times The 70,000-member, $1.6 billion Technology Credit Union is offering members a chance to win more than $15,000 in cash and four iPads as an inducement to vote in the balloting over whether to change to a mutual bank charter.
See Rates for: Checking | Savings | Money Market | CD | IRA
Technology Credit Union Checking Account Rates
Technology Credit Union Savings Account Rates
Technology Credit Union Money Market Rates
Technology Credit Union CD Rates
| Apy | Min | Max | Product | |
| 1.50% | $1k | - | 5 Year CD | |
| 1.50% | $95k | - | 5 Year Jumbo CD | |
| 1.50% | $1k | - | Business 5 Year CD | |
| 1.50% | $95k | - | Business 5 Year Jumbo CD | |
| 1.50% | $1k | - | Business 5 Year Flextime CD | |
| 1.00% | $1k | - | 4 - 5 Year CD | |
| 1.00% | $95k | - | 4 - 5 Year Jumbo CD | |
| 1.00% | $1k | - | Business 4 - 5 Year CD | |
| 1.00% | $95k | - | Business 4 - 5 Year Jumbo CD | |
| 1.00% | $1k | - | Business 4 - 5 Year Flextime CD | |
| 0.75% | $1k | - | 3 - 4 Year CD | |
| 0.75% | $95k | - | 3 - 4 Year Jumbo CD | |
| 0.75% | $1k | - | Business 3 - 4 Year CD | |
| 0.75% | $95k | - | Business 3 - 4 Year Jumbo CD | |
| 0.75% | $1k | - | Business 3 - 4 Year Flextime CD | |
| 0.50% | $1k | - | 18 - 24 Month CD | |
| 0.50% | $1k | - | 2 - 3 Year CD | |
| 0.50% | $95k | - | 18 - 24 Month Jumbo CD | |
| 0.50% | $95k | - | 2 - 3 Year Jumbo CD | |
| 0.50% | $1k | - | Business 18 - 24 Month CD | |
| 0.50% | $1k | - | Business 2 - 3 Year CD | |
| 0.50% | $95k | - | Business 2 - 3 Year Jumbo CD | |
| 0.50% | $1k | - | Business 18 - 24 Month Flextime CD | |
| 0.50% | $1k | - | Business 2 - 3 Year Flextime CD | |
| 0.40% | $1k | - | 12 - 18 Month CD | |
| 0.40% | $95k | - | 12 - 18 Month Jumbo CD | |
| 0.40% | $95k | - | Business 18 - 24 Month Jumbo CD | |
| 0.40% | $1k | - | Business 12 - 18 Month Flextime CD | |
| 0.30% | $1k | - | 9 - 12 Month CD | |
| 0.30% | $95k | - | 9 - 12 Month Jumbo CD | |
| 0.30% | $1k | - | Business 9 - 12 Month CD | |
| 0.30% | $95k | - | Business 9 - 12 Month Jumbo CD | |
| 0.30% | $1k | - | Business 9 - 12 Month Flextime CD | |
| 0.25% | $1k | - | 6 - 9 Month CD | |
| 0.25% | $95k | - | 6 - 9 Month Jumbo CD | |
| 0.25% | $1k | - | Business 6 - 9 Month CD | |
| 0.25% | $95k | - | Business 6 - 9 Month Jumbo CD | |
| 0.25% | $1k | - | Business 6 - 9 Month Flextime CD | |
| 0.15% | $1k | - | 3 - 6 Month CD | |
| 0.15% | $95k | - | 3 - 6 Month Jumbo CD | |
| 0.15% | $1k | - | Business 3 - 6 Month CD | |
| 0.15% | $95k | - | Business 3 - 6 Month Jumbo CD | |
| 0.15% | $1k | - | Business 3 - 6 Month Flextime CD | |
| 0.10% | $95k | - | 2 - 3 Month Jumbo CD | |
| 0.10% | $95k | - | Business 2 - 3 Month Jumbo CD | |
| 0.05% | $95k | - | 14 - 29 Day Jumbo CD | |
| 0.05% | $95k | - | 1 - 2 Month Jumbo CD | |
| 0.05% | $95k | - | Business 14 - 29 Day Jumbo CD | |
| 0.05% | $95k | - | Business 1 - 2 Month Jumbo CD |
Technology Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 1.50% | $1k | - | 5 Year IRA | |
| 1.50% | $95k | - | 5 Year Jumbo IRA | |
| 1.50% | $1k | - | 5 Year Roth IRA | |
| 1.50% | $95k | - | 5 Year Jumbo Roth IRA | |
| 1.00% | $1k | - | 4 to 5 Year IRA | |
| 1.00% | $95k | - | 4 to 5 Year Jumbo IRA | |
| 1.00% | $1k | - | 4 to 5 Year Roth IRA | |
| 1.00% | $95k | - | 4 to 5 Year Jumbo Roth IRA | |
| 0.75% | $1k | - | 3 to 4 Year IRA | |
| 0.75% | $95k | - | 3 to 4 Year Jumbo IRA | |
| 0.75% | $1k | - | 3 to 4 Year Roth IRA | |
| 0.75% | $95k | - | 3 to 4 Year Jumbo Roth IRA | |
| 0.50% | $1k | - | 18 to 24 Month IRA | |
| 0.50% | $1k | - | 2 to 3 Year IRA | |
| 0.50% | $95k | - | 18 to 24 Month Jumbo IRA | |
| 0.50% | $95k | - | 2 to 3 Year Jumbo IRA | |
| 0.50% | $1k | - | 18 to 24 Month Roth IRA | |
| 0.50% | $95k | - | 18 to 24 Month Jumbo Roth IRA | |
| 0.50% | $1k | - | 2 to 3 Year Roth IRA | |
| 0.50% | $95k | - | 2 to 3 Year Jumbo Roth IRA | |
| 0.40% | $1k | - | 12 to 18 Month IRA | |
| 0.40% | $95k | - | 12 to 18 Month Jumbo IRA | |
| 0.40% | $1k | - | 12 to 18 Month Roth IRA | |
| 0.40% | $95k | - | 12 to 18 Month Jumbo Roth IRA | |
| 0.30% | $1k | - | 9 to 12 Month IRA | |
| 0.30% | $95k | - | 9 to 12 Month Jumbo IRA | |
| 0.30% | $1k | - | 9 to 12 Month Roth IRA | |
| 0.30% | $95k | - | 9 to 12 Month Jumbo Roth IRA | |
| 0.25% | $1k | - | 6 to 9 Month IRA | |
| 0.25% | $95k | - | 6 to 9 Month Jumbo IRA | |
| 0.25% | $1k | - | 6 to 9 Month Roth IRA | |
| 0.25% | $95k | - | 6 to 9 Month Jumbo Roth IRA | |
| 0.15% | $1k | - | 3 - 6 Month IRA | |
| 0.15% | $95k | - | 3 - 6 Month Jumbo IRA | |
| 0.15% | $1k | - | 3 - 6 Month Roth IRA | |
| 0.15% | $95k | - | 3- 6 Month Jumbo Roth IRA | |
| 0.10% | $95k | - | 2 - 3 Month Jumbo IRA | |
| 0.10% | $95k | - | 2 - 3 Month Jumbo Roth IRA | |
| 0.05% | $95k | - | 14 - 29 Day Jumbo IRA | |
| 0.05% | $95k | - | 1 - 2 Month Jumbo IRA | |
| 0.05% | $95k | - | 14 - 29 Day Jumbo Roth IRA | |
| 0.05% | $95k | - | 1 - 2 Month Jumbo Roth IRA |
Rates updated: 5/22/2013
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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Dissatisfied With Customer Service
- lyndanni - Friday, October 12, 2012 - 5:48 PMI have been banking with Technology Credit union for a couple years and I am completely unsatisfied with the service. I went to Tech CU to experience the higher interest rates and better customer service they advertise over larger banks. To date - I've seen neither. Interest rates are low, holds on checks are longer than average, customer service hours on phone are lower and I've had multiple negative experiences with the in-bank personnel related to customer service.
Recently - they charged multiple overdraft fees on my checking account despite having thousands of dollars in the bank. The prioritization of fees and charges over customer services is disheartening. I think the move to be a bank has really changed the mindset of employees. Stick with the bigger banks, you'd be surprised you'll get better service, better rates and lower fees!
3
Bad Experience
- Anonymous - Thursday, October 21, 2010 - 11:00 PMI've enrolled into their bill pay service for quite some time and haven't had any problems until recently as they stopped following the rules properly. my biggest payment is to the mortgage company and it seems lately they started sending the check too late: the problem happened twice already and the mortgage company charged me a late charges fee this last time. When I called and talked to credit union support, they told me, that even though I specified the date by which the check should be delivered, they only looking at when the bill is due, not when the grace period ends!!!
After 20 years of using their services, I'm no longer using their service. Should be Zero star.
3
Delays In Bill Payment
- Voodoocat - Wednesday, April 20, 2011 - 9:26 PMI had the exact same experience with the first reviewer, "Bad Experience"
My bill pay was also delayed, they claim to mail the check out on the 12th, and the morgage company got it on the 19th. TechCU will stonewall you in not standing by their guarantee. I will be moving to another CU as TechCU is not reliable. I don't trust them with my money.
2
Technology Credit Union
- Anonymous - Saturday, October 2, 2010 - 1:55 PMI've been a customer for 20 years and had to take my business elsewhere as their service deteriorated in the last few years.
The interest on the checking and savings deposits are just the smallest in the industry.
What finally got me totally disgaced was the bill pay service, as they didn't pay my mortgage in time.
The irony is that they require you to submit the payment by the 1st of the month, not by the 16th, when it's still safe to pay without the penalty: that's more than half of the month free money:)
I submitted my complaint to the Better Business Bureau, but it's useless...
Should be a negative star, not even 1 star.
2
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Nationwide Savings Accounts
Featured Accounts
CIT Bank
3-year Term IRA CD
1.21% APY
3-year Term IRA CD
1.21% APY
* All banks listed are a Member FDIC.
Warning - Converting To A Bank
This CU is converting to a bank, which is not in the best interests of the members.
There is has been a link buried at the bottom of their website for several days. Their webpage has some content that is not secure -- so the bank conversion notice is hidden under Internet Explorer's "Only secure content is displayed" banner at the bottom of the page. https://www.techcu.com/
Their email newsletter today doesn't mention the bank conversion.