Tech CU's (IN/IL) 50-Month CDs Top The Rates Chart


Availability: Residents of four NW Indiana counties, two NE Illinois counties, and the greater Calumet City area (Illinois) ; employees and members of 570+ Corporate Member Groups.

Earlier this week, Tech Credit Union (Tech CU) raised the rates on all of its 50-month CDs a uniform 10 basis points, with the new rates ranging from 2.00% to 2.27% APY.

Tech CU offers three different varieties for each term length, with Regular & Premium CDs requiring a $1k minimum deposit and Jumbo CDs requiring a $100k minimum deposit.

3.40%$100k-Tech Credit Union50 Month Jumbo Compound CD
3.35%$100k-Tech Credit Union50 Month Jumbo CD
3.27%$1k-Tech Credit Union50 Month Premium Compound CD
3.23%$1k-Tech Credit Union50 Month Premium CD
3.14%$1k-Tech Credit Union50 Month Compound CD
3.10%$1k-Tech Credit Union50 Month CD
Rates as of March 19, 2024.

The Premium CD rates include,

a .125% rate bonus to members who have combined deposit and loan service
balances of $25,000 or more (excluding Premium CDs) or to members who are
60 years or older and maintain a $5,000 balance in Money Market Savings.

Tech CU’s Loyalty CD Rate Bonus offers,

up to a .375% rate bonus on any standard CD term to members with select account relationships.

The .375% rate bonus is broken down into three .125% increments:

  • +.125% bonus for active loan
  • +.125% bonus for Premium CD eligible members
  • +.125% bonus for active Bill Pay service

According to CSR, the Early Withdrawal Penalty for the 50-month CD is 180 days interest.


Headquartered in Crown Point, Indiana, membership in Tech Credit Union is open to individuals who live or work in Indiana counties of Jasper, Lake, LaPorte, or Newton; the Illinois counties of Grundy or Will; the Illinois cities of Crest Hill, Joliet, or Plainfield; or the greater Calumet City area in Illinois.

Employees and members of more than 570 Corporate Member Groups are also eligible to join, as are their family members.

In addition, family members (blood or marriage) of current Tech CU memberships qualify for membership.

The application process for joining Tech CU and/or opening a CD can be started online, or done in person at any of six Indiana branches located in Crown Point, East Chicago, Gary, Lowell, Merrillville, and Valparaiso or two Illinois branches located in Calumet City and Crest Hill.

Upon acceptance of your application we will contact you via phone, to complete
the final process of verification and to make arrangements for funding your account.

Credit Union Overview

Tech Credit Union (NCUA Charter # 68225) has an overall health grade of "B+" at, with a Texas ratio of 4.60% (excellent) based on June 30, 2016 data. In the past year, Tech CU has increased its total deposits by $6.36 million, an excellent annual growth rate of 2.12%. Please refer to our financial overview of Tech Credit Union for more details.

Tech Credit Union was chartered in 1936 as the Carnegie-Illinois Steel Employees Gary Works Federal Credit Union. As the name suggests, the original field of membership was the employees of the Gary Works, Carnegie-Illinois Steel Corporation (later known as US Steel Gary Works). Three charter changes and three names changes later, Tech Credit Union is the 20th largest credit union in Indiana, with nearly 38,000 members and assets in excess of $335 million.

How the CDs Compare

When compared to the 335 similar length-of-term CDs tracked by that are available within the field of membership, Tech Credit Union’s 50-Month CDs APYs (all variations) currently top the list, regardless of minimum deposits.

The above rates are accurate as of 11/11/2016.

To look for the best CD rates, both nationwide and state specific, please refer to our CD rates table, or our Rates Map page.

4.00% 7-Month ($2.5K Max) at Technology Credit Union in CA on International Credit Union Day - Local Only
Technology Credit Union has a CD special called the Celebration Certificate. It's only available on October 15, 2009 which is International Credit Union Day. It's a 4.00% APY 225-day certificate. Unfortunately, the maximum deposit is $2,500 with a limit of one certificate per member. Minimum deposit is $1,000.

If a husband and wife both put in the maximum deposit, they'll earn about $60 over what would be earned if $5K were deposited into a 2% 7-month CD. At least there doesn't seem to be any checking account requirement for this special.


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6.00% 6-Month CD at a California Credit Union (Tech CU)
Technology Credit Union has started a certificate special with a yield of 6.00% APY and a term of 6 months. The minimum deposit is $10,000, and there is no maximum deposit. New money is required. Note, the promo page makes it look like you can extend the term to 270 days, but I called and was told that the term is only for 6 months.

My last report on this credit union was back in September 2006 when it was offering a 5.80% 10-month CD.

Membership is open to those...

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