Rate Movement — Collection 2026-08-15
No confirmed standing-rate repricing in the 2026-08-15 collection window. One candidate event — First Tech short certificates ↓25bps across the 3-, 6-, and 9-month terms — is logged [Verify], with prior values sourced from a search-index capture rather than a preserved rate sheet. Three promotional launches confirmed: Patelco 7-month at 4.25% APY, Stanford FCU 25- and 50-month specials at 4.20% and 4.30% APY. Tech CU standing rates fall 45–75bps below those promotional rates on the nearest comparable terms. First baseline collection across twelve institutions; week-over-week deltas begin next issue.
Rate Movement — Collection 2026-08-15
No confirmed standing-rate repricing in the 2026-08-15 collection window. One candidate event — First Tech short certificates ↓25bps across the 3-, 6-, and 9-month terms — is logged [Verify], with prior values sourced from a search-index capture rather than a preserved rate sheet. Three promotional launches confirmed: Patelco 7-month at 4.25% APY, Stanford FCU 25- and 50-month specials at 4.20% and 4.30% APY. Tech CU standing rates fall 45–75bps below those promotional rates on the nearest comparable terms. First baseline collection across twelve institutions; week-over-week deltas begin next issue.
Peer Denominator Question
First Technology Federal Credit Union and Digital Federal Credit Union merged under a single NCUA charter effective 2026-01-01. The two divisions maintain separate rate surfaces with nonidentical pricing. On 24- and 36-month certificates collected 2026-08-15, the First Tech surface posts 3.25% APY; the DCU surface posts 3.00% APY. The gap is 25bps on the same legal entity.
This publication carries First Tech as one peer-set entry. DCU division rates are noted where they diverge but do not occupy a separate peer-set slot. If the peer roster previously included DCU as a standalone institution, that removal is a denominator change, and any resulting median shift is bridged so it does not read as a repricing event.
Whether the two divisions share a pricing committee or set rates independently cannot be determined from public disclosure.