What Tech CU does

Tech CU (Technology Credit Union) is a federally chartered, member-owned credit union headquartered in San Jose, California, with branch operations spanning California (Campbell, Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa, Sunnyvale), Meridian, Idaho, and Austin, Texas. The institution serves individual consumers, small businesses, not-for-profit organizations, high-net-worth members, and employers via its Tech CU@Work benefits program. Core product lines include personal and business deposit accounts (checking, savings, money market, certificates), consumer and commercial lending (auto, mortgage, home equity, personal, student, solar, business), Visa credit cards, and wealth management routed through an LPL Financial partnership.

Underlying technology centers on a member-facing digital platform comprising iOS and Android mobile applications, web-based digital banking, Virtual Branch video appointments, and a real-time fraud-detection system that pushes card transaction alerts to members for verification. Distribution extends the effective footprint well beyond owned branches through access to more than 85,000 fee-free ATMs worldwide and a 5,600+ shared-branching credit union network. Service is supported by call centers (Member Services, Loan Center, Special Assets Group, Mortgage Servicing) and accessibility phone lines.

The revenue model follows standard credit-union economics: net interest income from lending is primary (auto, mortgage, home equity, personal, commercial, credit card), supplemented by fee income (account fees, origination, transaction charges) and investment income from reserves. Pricing is publicly disclosed and structured as member-value — certificates up to 4.00% APY, savings from 0.20% APY, auto loans starting at 5.24% APR, HELOC intro rate 5.75% APR. GTM motion is primarily direct-to-consumer through branches and digital channels, augmented by employer-partnership acquisition via Tech CU@Work. Capital structure is member-owned cooperative under NCUA regulation; no external equity, parent, or funding round is disclosed.

Name

Tech CU

Legal name

Technology Credit Union

Website

https://techcu.com

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

251–500 employees

Short description

Tech CU is a federally chartered, member-owned credit union headquartered in San Jose, California, serving consumers, small businesses, not-for-profits, and employers across California, Idaho, and Texas with deposit, lending, wealth management, and digital banking services.

Ownership category

akta.pro rank

Product category

Credit Union Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

Keywords

• Credit union banking
• Consumer lending
• Residential mortgages
• Business banking
• Wealth management

Headquarters

HQ city

San Jose

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest on loans including auto loans, mortgages, home equity loans, personal loans, and business loans
2. Fee Income: Account fees, transaction fees, loan origination fees, and other service charges
3. Investment Income: Income from investment of deposits and reserves

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Tech CU is a federally chartered, member-owned credit union providing deposit accounts (checking, savings, money market, certificates), consumer and commercial loans (auto, mortgage, home equity, personal, solar, student, commercial), Visa credit cards, business banking, and wealth management services delivered through branches, mobile/online platforms, and Virtual Branch video banking. It also operates Tech CU@Work, an employer-sponsored benefits program. Wealth and investment services are delivered in partnership with LPL Financial.

Product overview

Tech CU is a technology-focused credit union serving Silicon Valley and beyond, offering a comprehensive portfolio of consumer and business banking products. The core offering centers on deposit accounts (checking, savings, certificates, and money market accounts) and lending products (auto loans, mortgages, home equity, personal loans, and credit cards). Digital banking capabilities include online banking, mobile banking, and Virtual Branch video appointments. Business services encompass commercial lending, business checking/savings, and nonprofit banking. Wealth management services are provided through a partnership with LPL Financial, including guided investment portfolios, financial planning, and estate planning. Additional services include insurance, international banking (Global Members), and an employer benefit program (Tech CU@Work) offering discounted rates and sign-up bonuses to employees of member companies.

Differentiator

Problem solved

Functional benefit

Brands

• Tech CU@Work: Employer benefits program offering financial products to employees of member companies, including no-fee checking, rate discounts, and $500 sign-up bonus.
• Tech Investment Management

Products and services

• Personal Checking Accounts

Quantifiable outcome

• Earn up to 4.00% APY on certificates
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

One partnership is on record.

• LPL FinancialcoreStrategic or Co-development PartnerSecurities and advisory services offered through LPL Financial, a registered investment advisor and broker/dealer (member FINRA/SIPC). Investment services include Guided Wealth Portfolios, financial planning, estate planning, stock option planning, and IRA rollover services. Tech Investment Management provides referrals to LPL Financial representatives.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• First Tech Federal Credit Union: First Tech is the most direct comparable: a technology-sector focused credit union serving similar high-tech employer groups in the Pacific Northwest and West Coast, with comparable deposit and lending products and similar member base demographics.
• Golden 1 Credit Union: California's largest credit union, with a similarly broad consumer and small-business product suite and overlapping Bay Area / statewide geography. Comparable in scale and channel mix (branches, digital, mobile).
• Stanford Federal Credit Union: Another California-headquartered credit union with a defined-membership base (Stanford community) and tech-affiliated members; overlapping geographic footprint and similar product breadth including mortgages and digital banking.
• Patelco Credit Union: Bay Area-headquartered credit union with similar consumer-banking focus, member-owned structure, comparable mortgage and auto-loan offerings, and overlapping California geography.
• SchoolsFirst Federal Credit Union: Large California credit union with defined-membership model and similar full-spectrum deposit, lending, and wealth-management products; competes in the same statewide market for consumer banking share.
• Digital Federal Credit Union (DCU): Technology-sector and employer-affiliated credit union with strong digital banking capabilities and similar product portfolio; comparable membership base among tech employees and competitive in remote/digital acquisition.
• BECU (Boeing Employees Credit Union): Large member-owned credit union with similar employer-affiliated membership model and broad product suite including business banking and wealth services; comparable scale and channel breadth.

Emerging players

• Alliant Credit Union: Online-first credit union with open membership, high-yield deposit products, and a digital-first member experience. Competes for the same tech-savvy, fee-sensitive members with a much leaner branch footprint.
• SoFi Technologies: Digital-first bank and lender targeting tech-employed and high-earning consumers with deposit, lending, and wealth products. Emerges as a meaningful competitor for Tech CU's target member demographic.

Broad incumbents

• JPMorgan Chase: National incumbent bank with the largest US deposit base; competes for the same consumer and small-business banking relationships across the Bay Area, with a much broader product set and brand recognition.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/TechCU
• YouTubeyoutube.com/TechCUblog
• Facebookfacebook.com/TechCU
• LinkedInlinkedin.com/company/techcu
• Instagraminstagram.com/techcu

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tech CU