Featured Savings Rates
Featured Accounts

Technology Credit Union

Popular Accounts at this Credit Union

0.25%CheckingInterest Checking
2.15%5-year CD60 Month Jumbo Flextime CD
1.40%1-year CD12 - 17 Month Jumbo Flextime CD

Overview / Commentary
2010 N 1st St
San Jose, CA 95131-2018

Technology Credit Union is headquartered in San Jose and is the 18th largest credit union in the state of California. It is also the 92nd largest credit union in the nation. It was established in 1960 and as of December of 2017, it had grown to 235 employees and 95,313 members at 10 locations. Technology Credit Union's money market rates are 70% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open through a membership in the Financial Fitness Association ($8 membership fee). Membership is also open to those who live, work, attend school or worship in Santa Clara, Alameda, San Mateo, Santa Cruz, Contra Costa, or San Francisco Counties and to employees of any of the credit union's TechCU@Work Employer Groups.
See current membership details

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Reviews (8)

Not Great, Not Terrible

Posted by: semistatic | Nov 2, 2017

- Pleasant online banking experience
- No maintenance fees for basic checking

- Rates aren't competitive: No rewards checking, higher loan rates than you can find elsewhere
- Credit cards offerings are pretty bland

I opened this account because they offered a bonus, but I don't have any incentive to keep it once the minimum time is up.

Not Converting To A Bank (But Not That Great Either)

The credit union did try to convert to a bank a few years ago, and the membership resoundingly rejected it. However, the management stayed in place and members were unable to create change. I left some money on deposit, but I'm in the process of cleaning it and moving it from a savings account paying 0.05% APY to something much higher. By moving the savings to another institution, I'll be getting as much interest every month (1.00% APY) as I do in a year at Tech CU.

Rates aren't that great, and the web tools are antiquated. I'll probably keep the account because it's always worth staying a member, but it's definitely way down on the list of CUs that I recommend.

Dissatisfied With Customer Service

Posted by: lyndanni | Oct 12, 2012

I 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!

Warning - Converting To A Bank

Posted by: de7ye | Oct 14, 2011

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.

Delays In Bill Payment

Posted by: Voodoocat | Apr 20, 2011

I 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.

Tech Cu Sucks!

Posted by: Anonymous | Feb 25, 2011

I have been with this bank for almost 12 years, and I noticed that the service is getting worse. I have some set-ups payment on some bills and and they are always trying to make us late, but the online was set up to the exact dates. They also are making a way to get over draft fees, and if you complain to them, forget about it. All in all, this bank is a technology rip off union. 0 stars. I'm transferring our money to a less greedy bank. Don't go to this bank, and they offer a lower loan even though you have high credit score.

Bad Experience

Posted by: Anonymous | Oct 21, 2010

I'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.

Technology Credit Union

Posted by: Anonymous | Oct 2, 2010

I'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.


Health Grade Components

NCUA #68383
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD11.03%
Annual Interest Income$79.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.49B$2.20B
LoansQ4 2017vs Q4 2016$1.86B$1.59B
DepositsQ4 2017vs Q4 2016$2.12B$1.96B
Equity CapitalQ4 2017vs Q4 2016$253.0MM$225.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$14.0MM$11.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$3.0MM$2.1MM
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Technology Credit Union Savings Account Rates

0.60%*$2,500*-Health Savings Account
OTHER TIERS: 0.50% Up to $2,500
0.45%*$150k*-Insured Investment Account
OTHER TIERS: 0.25% $2,500 - $25k | 0.30% $25k - $50k | 0.40% $50k - $150k
0.25%$25-Share Savings Account
0.25%$25-Business Savings Account
0.25%--Individual Retirement Account

Technology Credit Union Money Market Rates

0.75%*$150k*-Money Market Plus Account
OTHER TIERS: 0.25% $2,500 - $25k | 0.30% $25k - $50k | 0.45% $50k - $100k | 0.60% $100k - $150k
0.75%*$150k*-Business Money Market Plus Accounts
OTHER TIERS: 0.25% $2,500 - $25k | 0.30% $25k - $50k | 0.45% $50k - $100k | 0.60% $100k - $150k
0.45%*$150k*-Business Money Market Account
OTHER TIERS: 0.25% $2,500 - $25k | 0.30% $25k - $50k | 0.40% $50k - $150k

Technology Credit Union Checking Account Rates

0.25%--Business Interest Checking
0.25%--Interest Checking

Technology Credit Union CD Rates

2.15%$1k-60 Month Flextime CD
2.15%$95k-60 Month Jumbo Flextime CD
2.15%$95k-Business 60 Month Jumbo CD
2.15%$1k-Business 60 Month Flextime CD
1.85%$1k-48 - 59 Month Flextime CD
1.85%$95k-48 - 59 Month Jumbo Flextime CD
1.85%$95k-Business 48 - 59 Month Jumbo CD
1.85%$1k-Business 48 - 59 Month Flextime CD
1.80%$1k-36 - 47 Month Flextime CD
1.80%$95k-36 - 47 Month Jumbo Flextime CD
1.80%$95k-Business 36 - 47 Month Jumbo CD
1.80%$1k-Business 36 - 47 Month Flextime CD
1.75%$1k-24 - 35 Month Flextime CD
1.75%$95k-24 - 35 Month Jumbo Flextime CD
1.75%$95k-Business 24 - 35 Month Jumbo CD
1.75%$1k-Business 24 - 35 Month Flextime CD
1.75%$1k-24 Month Raise My Rate CD
1.75%$95k-24 Month Raise My Rate Jumbo CD
1.75%$1k-Business 24 Month Raise My Rate Flextime CD
1.75%$95k-Business 24 Month Raise My Rate Jumbo CD
1.50%$1k-18 - 23 Month Flextime CD
1.50%$95k-18 - 23 Month Jumbo Flextime CD
1.50%$1k-Business 18 - 23 Month Flextime CD
1.50%$95k-Business 18 - 23 Month Jumbo CD
1.50%$1k-18 Month Raise My Rate CD
1.50%$95k-18 Month Raise My Rate Jumbo CD
1.50%$1k-Business 18 Month Raise My Rate Flextime CD
1.50%$95k-Business 18 Month Raise My Rate Jumbo CD
1.40%$1k-12 - 17 Month Flextime CD
1.40%$95k-12 - 17 Month Jumbo Flextime CD
1.40%$95k-Business 12 - 17 Month Jumbo CD
1.40%$1k-Business 12 - 17 Month Flextime CD
0.80%$1k-9 - 11 Month Flextime CD
0.80%$95k-9 - 11 Month Jumbo Flextime CD
0.80%$95k-Business 9 - 11 Month Jumbo CD
0.80%$1k-Business 9 - 11 Month Flextime CD
0.75%$1k-6 - 8 Month Flextime CD
0.75%$95k-6 - 8 Month Jumbo Flextime CD
0.75%$95k-Business 6 - 8 Month Jumbo CD
0.75%$1k-Business 6 - 8 Month Flextime CD
0.45%$1k-3 - 5 Month Flextime CD
0.45%$95k-3 - 5 Month Jumbo Flextime CD
0.45%$95k-Business 3 - 5 Month Jumbo CD
0.45%$1k-Business 3 - 5 Month Flextime CD
0.30%$95k-2 Month Jumbo Flextime CD
0.30%$95k-Business 2 Month Jumbo CD
0.25%$95k-14 - 29 Day Jumbo Flextime CD
0.25%$95k-1 Month Jumbo Flextime CD
0.25%$95k-Business 14 - 29 Day Jumbo CD
0.25%$95k-Business 1 Month Jumbo CD

Technology Credit Union IRA Rates

2.15%$1k-60 Month IRA
2.15%$95k-60 Month Jumbo IRA
1.85%$1k-48 - 59 Month IRA
1.85%$95k-48 - 59 Month Jumbo IRA
1.80%$1k-36 - 47 Month IRA
1.80%$95k-36 - 47 Month Jumbo IRA
1.75%$1k-24 - 35 Month IRA
1.75%$95k-24 - 35 Month Jumbo IRA
1.50%$1k-18 to 23 Month IRA
1.50%$95k-18 to 23 Month Jumbo IRA
1.40%$1k-12 to 17 Month IRA
1.40%$95k-12 to 17 Month Jumbo IRA
0.80%$1k-9 to 11 Month IRA
0.80%$95k-9 to 11 Month Jumbo IRA
0.75%$1k-6 to 8 Month IRA
0.75%$95k-6 to 8 Month Jumbo IRA
0.45%$1k-3 - 5 Month IRA
0.45%$95k-3 - 5 Month Jumbo IRA
0.30%$95k-2 Month Jumbo IRA
0.25%$95k-14 - 29 Day Jumbo IRA
0.25%$95k-1 Month Jumbo IRA

Cities: Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Francisco, San Jose, Sunnyvale

Cupertino Branches
Branch Office10051 S De Anza BlvdCupertino, CA 95014-2105

Dublin Branches
Branch Office6601 Dublin BlvdDublin, CA 94568-3162

Fremont Branches
Branch Office43848 Pacific Commons BlvdFremont, CA 94538

Milpitas Branches
Branch Office360 Cypress DrMilpitas, CA 95035-7906

Palo Alto Branches
Branch Office490 California AvePalo Alto, CA 94306-1900

San Francisco Branches
Branch Office1449 Mission StSan Francisco, CA 94103-2510

San Jose Branches
Branch Office2010 N 1st StSan Jose, CA 95131-2018
Branch Office846A Blossom Hill RdSan Jose, CA 95123-2725
Branch Office1562 S Bascom AveSan Jose, CA 95125-6108

Sunnyvale Branches
Branch Office333 W El Camino RealSunnyvale, CA 94087