Collection window: 2026-08-11 through 2026-08-15.
Staleness summary: No candidate institution's source-effective date falls within the collection window. Institutions with source-effective dates older than 30 days, or with no effective date disclosed:
- CapEd — effective 2026-02-23 (173 days)
- TechCU — effective 2026-06-01 (75 days); location state also unresolved
- 1st United — effective 2026-07-01 (45 days)
- First Tech — effective 2026-07-06 (40 days)
- Provident — effective date field blank on live page
- ICCU — no effective date disclosed
Peer cohort pending approval. No median, variance, or position summary produced this issue.
First issue in the observation series. No prior-period deltas are available.
- Bay Area candidate set: seven non-TechCU institutions, all sourced from public rate pages.
- Treasure Valley candidate set: three non-TechCU institutions.
- Additional Bay Area candidates named in the original scope could not be sourced from public disclosure during this collection window. Those institutions will be listed by name when the peer cohort is approved.
Promotional, nonstandard-term, bump-up, and liquid certificate observations are excluded from this grid and appear in the Promotional Register sidebar.
Bay Area — Standing Certificate APY
| Term | TechCU | Star One | Stanford FCU | Patelco | Provident | 1st United | Fremont Bank | First Tech |
|---|---|---|---|---|---|---|---|---|
| 3 mo | 3.50 [V] | — | 2.50 [C] | 3.00 [C] ¹ | —‡ | —‡ | —‡ | 3.25 [C] |
| 6 mo | 3.50 [V] | 3.65 [C] | 3.00 [C] | 3.00 [C] ² | 3.55 [V] | 2.50 [C] | 3.00 [C] | 3.50 [C] |
| 12 mo | 4.00 [V] | 3.70 [C] | 3.50 [C] | 3.00 [C] ³ | 3.30 [V] | 3.00 [C] | 1.25 [C] | 3.25 [C] |
| 24 mo | 3.75 [V] | 3.75 [C] | 3.20 [C] | 3.00 [C] ⁴ | 3.30 [V] | 3.10 [C] | 1.25 [C] | —† |
| 36 mo | 3.75 [V] | — | 3.25 [C] | 3.00 [C] ⁵ | 3.20 [V] | —† | 1.25 [C] | —† |
| 60 mo | 3.75 [V] | — | 3.65 [C] | 3.50 [C] | 3.30 [V] | —† | 1.25 [C] | 3.25 [C] |
Bay Area — Source Metadata
| Institution | Minimum | Source-effective | Collected |
|---|---|---|---|
| TechCU | $1,000 | 2026-06-01 | 2026-08-15 |
| Star One | $2,500 | 2026-07-24 | 2026-08-15 |
| Stanford FCU | $100 | 2026-07-27 | 2026-08-15 |
| Patelco | $250 | 2026-08-07 | 2026-08-15 |
| Provident | $1,000 | — (see verification) | 2026-08-15 |
| 1st United | $250 | 2026-07-01 | 2026-08-15 |
| Fremont Bank | $2,500 | 2026-07-26 | 2026-08-15 |
| First Tech | $500 | 2026-07-06 | 2026-08-15 |
Bay Area — Verification Notes
TechCU, all terms [V]: The TechCU rate page rendered "No location set" on 2026-08-15 and states that products and features may differ by location. The APYs shown in the grid (3.50/3.50/4.00/3.75/3.75/3.75 at 3/6/12/24/36/60 months) also appear on other TechCU pages, but no rendering reviewed during collection resolved to a California ZIP or location state. All TechCU cells carry [V] until the California-specific schedule is verified.
Provident, all terms [V]: The Provident rate page displays a "Rates are valid as of" field with the date left blank. A cached Provident page from roughly two weeks prior showed 2026-07-29 for the add-on certificate product. That date does not independently confirm the fixed-certificate grid's effective date. Posted APYs are usable; source-effective date cannot be confirmed.
Treasure Valley — Standing Certificate APY
| Term | TechCU | ICCU | Westmark | CapEd |
|---|---|---|---|---|
| 3 mo | 3.50 [V] | 0.30 [V] | 1.50 [V] | —‡ |
| 6 mo | 3.50 [V] | 0.45 [V] | 2.00 [V] | 1.35 [C] |
| 12 mo | 4.00 [V] | 0.70 [V] | 3.95 [V] | 1.60 [C] |
| 24 mo | 3.75 [V] | 0.90 [V] | 3.90 [V] | 1.80 [C] |
| 36 mo | 3.75 [V] | 0.95 [V] | 3.80 [V] | 1.90 [C] |
| 60 mo | 3.75 [V] | 1.10 [V] | 3.80 [V] | 2.00 [C] |
Treasure Valley — Source Metadata
| Institution | Minimum | Source-effective | Collected |
|---|---|---|---|
| TechCU | $1,000 | 2026-06-01 | 2026-08-15 |
| ICCU | $500 | — (see verification) | 2026-08-15 |
| Westmark | $500 | 2026-07-16 | 2026-08-15 |
| CapEd | $500 | 2026-02-23 | 2026-08-15 |
TechCU rates are the same standing schedule shown in the Bay Area grid. The TechCU Idaho-specific 12-month certificate at 4.25% APY is promotional and appears in the Promotional Register.
Treasure Valley — Verification Notes
TechCU, all terms [V]: Same condition as Bay Area. See Bay Area verification note.
ICCU, all terms [V]: The ICCU certificate page discloses APYs and a $500 opening deposit but shows no effective date or "as of" date. ICCU also publishes promotional CD rates (6-mo 3.95%, 12-mo 4.15%, and others); those are tracked in the Promotional Register and excluded from this grid. The values shown, 0.30 through 1.10, are the non-promotional schedule.
Westmark, all terms [V]: The Westmark rate page states that rates are tiered by deposit amount but publishes one APY per term without identifying which balance tier applies. The displayed APYs may represent a minimum-balance tier or a mid-tier rate. Westmark publishes its 3-month term as "90 Days."
CapEd (collected 2026-08-15): CapEd cells are marked [C]. The CapEd certificate page displayed the values shown when collected on 2026-08-15, and the rate table published on that page carries an explicit effective date of 2026-02-23. That effective date is 173 days old. The confidence flag reflects what was posted on the collection date; it does not warrant that the schedule has been reviewed by the institution since February.
Grid Footnotes
¹ Patelco 3–5-month band. ² Patelco 6–11-month band. ³ Patelco 12–17-month band. ⁴ Patelco 24–35-month band. ⁵ Patelco 36–47-month band. Patelco publishes certificate rates by term band rather than discrete term. The APY at each standard term is the rate for the band containing that term, effective 2026-08-07.
† 1st United's 36-month and 60-month certificates and First Tech's 24-month and 36-month certificates carry bump-up features. These are excluded from the fixed-certificate grid and appear in the Promotional Register.
‡ Term not published on the institution's rate page. Provident, 1st United, and Fremont Bank disclose no 3-month standing certificate. CapEd 's schedule begins at 6 months.
Star One publishes standing fixed certificates at 6-month, 12-month, and 24-month terms only; the 3-month, 36-month, and 60-month cells are blank for that reason.
Stanford FCU's Partner/Ambassador certificate schedule (3.00/3.50/4.00/3.70/3.75/4.15 at 3/6/12/24/36/60 months) is relationship-conditioned and excluded from the unconditioned standing grid.
Fremont Bank rates reflect the $2,500–$49,999 tier. First Tech rates reflect the $500–$99,999 tier. CapEd rates reflect the $500 minimum tier; the $10,000 and $50,000 tiers carry APYs 5–10bps above the values shown.
All grid values are posted APYs. APY already incorporates compounding, so no separate yield recalculation was applied. Normalization was limited to tier selection (specified per institution in the metadata tables), exclusion of relationship-conditioned rates (Stanford FCU Partner/Ambassador), and exclusion of promotional rates (see Promotional Register).
- TechCU page geography: The TechCU rate page continues to render without a location state, and until a California-specific schedule is confirmed, all TechCU standing cells remain [V] across both markets.
- Provident effective date: A cached Provident add-on certificate page showed 2026-07-29, but the live fixed-certificate grid's "valid as of" field still renders blank and requires direct verification.
- ICCU promotional expiration: The ICCU certificate page lists promotional CDs from 3.90% to 4.20% APY across five terms without disclosing an end date, leaving lifecycle status unresolved for the Promotional Register.
- Westmark tier basis: The Westmark rate page states rates are tiered by deposit amount but shows only one APY per term, so the balance assumption behind each displayed rate remains unconfirmed.