When you choose Tech CU, you’re joining an award-winning, full service credit union established 60 years ago by forward-thinking entrepreneurs. Because we are a not-for-profit institution owned by our members, we can offer you excellent rates, no-fee products, and personalized service. For example, we offer truly free, no “gotcha” checking. Really.
We are here for you, whether you need to meet with a banker through our Virtual Branch or want to learn about managing your finances. Over the years, Tech CU has repeatedly innovated to support and educate its membership through financial education and easy access to knowledgeable professionals.
So, whatever your financial goals, feel free to reach out to us!
Difference between a Bank and a Credit Union:
The most important thing to understand when you are trying to determine the difference between a bank and a credit union, is that a credit union is a not-for-profit organization operated for the benefit of its members. Instead of maximizing corporate profits, a credit union invests its resources to deliver lower rates, outstanding service, and member benefits. It’s like a bank you own — with the privileges of membership to boot. Banks are for profit — you are considered a customer and a bank’s goal is to maximize profits to pay company stockholders.
Benefits for SDTH Conduits
We’re committed to your financial well-being and to helping you achieve your financial goals. Each San Diego Tech Hub Conduit receives a dedicated Tech CU Consultant, who works as your liaison. Here are few great benefits you receive:
- Get up to $150 for opening a new Checking Account with Direct Deposit and 12-month Certificate*
- Virtual Branch access
- FREE checking (no minimum balance required)
- 65,000 fee-free ATMs — more than Chase, Wells Fargo and Bank of America combined (AllPoint and CO-OP networks)
- .25% rate bump for Certificates (minimum 12 months)
- Up to .50% rate discount on auto loans***
- No lender fee on First Mortgage purchase loans (ARM and fixed rates) – Value of $1,000**
- Free Credit Score and Monitoring (including full credit report)
Buy that house!
With our low rates and personalized service, we help our members get through the house-buying process successfully. Make an appointment today to speak with a mortgage specialist and get a better understanding of your specific situation. We will partner with you to finance your home!
Get that ride!
Our low rates will take you far. As a member of Tech CU, you can access great rates so your monthly payments are lower. That frees up money so you can actually enjoy your destination. Check out our Auto-Buying Learning Center and calculators to gain more understanding of car-buying financing.
Grow that business!
We’ve got the Commercial and Business Banking products you need. Comprehensive, effective, easy-to-use—and the local market knowledge that matters. Reach out to consult with a knowledgeable business banker. We’d love to talk to you!
Invest that money!
As a full-service credit union, we offer investment options built around your needs. It’s all about tailoring solutions to your objectives. If you want to learn more about investing and the different options that could work for you, feel free to make an appointment to meet with an investment advisor.
Support those great employees!
Happy employees are great employees. As an employer, when you choose to offer TechCU@Work as part of your benefits plan, you know your employees will come first. We offer a complete financial services program that delivers competitive loan rates and great member benefits. We also offer financial education including blogs about financial topics. Our specialized package for global members offers specific products for employees who are new to the country or have limited credit history.
We’re committed to supporting your employees’ financial well-being. Each TechCU@Work Employer receives a dedicated Market Development Officer, who works as a liaison and advocate to help ensure employees get the information they need to make decisions about partnering with Tech CU to meet their own financial objectives.
Looking to Learn?
Check out some of the many resources we offer to help learn about managing finances: