What are the current interest rates at Tech Credit Union?

Current rates for Tech Credit Union include: 12-Month CD: 2.00%, Savings: 0.50%

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Tech Credit Union

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Tech Credit Union Rates & Review September 2026

Q: How many branches does Tech Credit Union operate?

Tech Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Tech Credit Union?

Yes, to access services at Tech Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Tech Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tech Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

Tech Credit Union's 15-Month Term CD rates are at 4.50%, CD Rate Special 15-Month Term rates are at 4.50%, 11-Month Term CD rates are at 4.25%, CD Rate Special 11-Month Term rates are at 4.25%, 7-Month Term CD rates are at 4.00%. Tech Credit Union's savings rates are at 0.50%. MonitorBankRates evaluates the financial stability of Tech Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.05%. Rates last updated and verified on 09/03/2026.

Tech Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tech Credit Union? Share your experience about Tech Credit Union by leaving a review below, or read customer reviews before you decide to use Tech Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.05%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Tech Credit Union
Main Office

10110 Randolph St
Crown Point, IN 46307-9469

https://www.techcu.org

Tech Credit Union CD Rates

Product	Rate	APY	Term
Certificate IRA - 50 month	3.10%	3.10%	50 month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Certificate IRA - 48 month bump rate	3.00%	3.00%	48 month bump rate
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
36 month Certificate IRA - Regular	2.75%	2.75%	36 month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
12 month Certificate IRA - Regular	2.00%	2.00%	12 month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
6 Month Certificate IRA - Regular	1.25%	1.25%	6 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
3 Month Certificate IRA - Regular	1.00%	1.00%	3 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%

Tech Credit Union Savings Rates

Product	Rate	APY
Premier Savings	1.70%	1.71%
Min Balance $100,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Premier Savings	1.20%	1.21%
Min Balance $50,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Premier Savings	0.80%	0.80%
Min Balance $25,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Premier Savings	0.60%	0.60%
Min Balance $10,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Education Savings Account	0.50%	0.50%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Christmas Club	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Preferred Club	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%

Tech Credit Union Checking Rates

Product	Rate	APY
InCENTIV Checking	4.17%	4.25%
Min Balance $300,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Tech Checking Plus / Business Checking Plus	4.17%	4.25%
Min Balance $350,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
InCENTIV Checking	3.20%	3.25%
Min Balance $100,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
InCENTIV Checking	2.72%	2.75%
Min Balance $15,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
HSA Checking Account	-	2.27%
Details A tax-advantaged way to save and pay for health care expenses. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
InCENTIV Checking	2.23%	2.25%
Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%
Business Checking	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Tech Credit Union’s Texas Ratio fell from 12.09% in Q2 2023 to 11.05% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$599M	11.05%	5.0	A
December 31, 2025	$583M	13.20%	5.0	A
September 30, 2025	$566M	17.23%	4.8	B+
June 30, 2025	$560M	18.39%	4.7	B+
March 31, 2025	$560M	9.53%	5.0	A
December 31, 2024	$540M	12.30%	5.0	A
September 30, 2024	$531M	10.10%	5.0	A
June 30, 2024	$531M	10.50%	5.0	A
March 31, 2024	$536M	10.89%	5.0	A
December 31, 2023	$520M	9.25%	5.0	A
September 30, 2023	$519M	5.98%	5.0	A+
June 30, 2023	$523M	12.09%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Tech Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Tech Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Tech Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tech Credit Union

Website https://www.techcu.org

Address 10110 Randolph St, Crown Point, IN 46307-9469

Phone 219-663-5120

Fax

President Joseph Machara

CEO Eugene Novello

Full-Time Employees 145

Part-Time Employees 6

Branch Locations 11

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.05%

Return on Assets (ROA)

0.0812%

Return on Equity (ROE)

0.9024%

Non-Performing Loans Ratio (NPL)

1.27%

Total Assets

599,086,409

Total Amount of Shares and Deposits

541,836,689

Total Shares and Deposits < 1 Year

530,533,254

Total Shares and Deposits 1 3 Years

9,356,513

Total Shares and Deposits > 3 Years

1,946,922

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

39,810,742

Total Uninsured Shares and Deposits > $250K (F+J)

39,810,742

Total Insured Shares and Deposits > $250K (item 17 less item K)

502,025,947

Total Interest Expense (Sum of items 6 8)

2,255,491

Share Certificates

2,330

Number of Accounts for Share Drafts

19,986

IRA KEOGH Accounts

1,026

Number of Accounts for Regular Shares

41,307

All other shares

368

Non Member Deposits

Money Market Shares

1,019

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

58,269,197

Total Liabilities

549,245,752

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Tech Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Tech Credit Union

Frequently Asked Questions About Tech Credit Union

How many branches does Tech Credit Union operate?

Tech Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Tech Credit Union?

Yes, to access services at Tech Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Tech Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tech Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Tech Credit Union offer online and mobile banking?

Most modern institutions like Tech Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.techcu.org.