No standing-rate repricing events confirmed in collection window 2026-08-15.
One candidate standing-rate event (First Tech short certificates ↓25bps, [Verify]) and three confirmed promotional launches are logged below. This is the first collection. The peer roster is not yet approved and no prior baseline exists, so "unchanged" cannot be computed for any institution this window.
First Tech Short Certificates ↓25bps [Verify]
Institution: First Tech Federal Credit Union Product / Term: 3-, 6-, 9-month share certificates Direction and magnitude: ↓25bps each term; 12-month unchanged Collection dates: 2026-07-06 (search-index capture) → 2026-08-15 (posted rate grid, effective 2026-08-05) Confidence: [Verify — prior values sourced from a search-index capture, not a preserved institution-controlled rate sheet] Macro trigger: None source-stated. Directionally inconsistent with the 1-year Treasury, which moved ↑8bps (3.95% → 4.03%) over the same interval.
Tech CU Position Delta — First Tech Cross-Reference
| Term | First Tech 2026-07-06 APY | First Tech 2026-08-05 APY | Δ | Tech CU APY (eff. 2026-06-01) | Tech CU vs. FT <$100k | Tech CU vs. FT ≥$100k |
|---|---|---|---|---|---|---|
| 3-mo | 3.25% | 3.00% | ↓25bps | 3.50% | +50bps | +25bps |
| 6-mo | 3.50% | 3.25% | ↓25bps | 3.50% | +25bps | 0bps |
| 9-mo | 3.50% | 3.25% | ↓25bps | 3.65% | +40bps | +15bps |
| 12-mo | 3.25% | 3.25% | unch | 4.00% | +75bps | +50bps |
Minimum opening deposit: First Tech $500; Tech CU $1,000. DCU division values collected 2026-08-15 match First Tech's current under-$100k tier across all four terms; the DCU effective-date field is blank. Both brands are divisions of one legal credit union.
Promotional Launches — Outside the Standing-Rate Comparison
Patelco — 7-Month Certificate Special 4.25% APY. $250 minimum. Outside funds required. Effective 2026-08-07. No stated closing date. [Confirmed] — collected 2026-08-15. Nearest Tech CU standing terms: 6-month 3.50% (−75bps), 9-month 3.65% (−60bps). Neither is a like-for-like comparison; the 7-month term brackets both, and the outside-funds condition excludes existing balances.
Stanford FCU — 25- and 50-Month Certificate Specials 25-month: 4.20% APY. 50-month: 4.30% APY. Both require $100 minimum and new money. Application window 2026-08-10 through 2026-09-30; renewal at then-current standing rate. [Confirmed] — collected 2026-08-15. Nearest Tech CU standing terms: 24-month 3.75% (−45bps vs. the 25-month special), 48-month 3.75% (−55bps vs. the 50-month special).
Deposit-Page Checklist — First Baseline
| Institution | Pages Checked | Collection Date | Status |
|---|---|---|---|
| Tech CU | Certificates, MMA | 2026-08-15 | First baseline |
| Star One | Certificates, MMA | 2026-08-15 | First baseline |
| Stanford FCU | Certificates, MMA | 2026-08-15 | First baseline (eff. 2026-07-27) |
| Patelco | Certificates, MMA | 2026-08-15 | First baseline (cert eff. 2026-08-07; MMA eff. 2026-03-01) |
| Provident | Certificates, HY MMA | 2026-08-15 | First baseline [Verify — effective-date field blank] |
| 1st United | Certificates, MMA | 2026-08-15 | First baseline |
| Fremont Bank | Certificates | 2026-08-15 | First baseline; personal MMA rate table not resolved |
| First Tech | Certificates | 2026-08-15 | Candidate ↓25bps [Verify]; no MMA product on rate grid |
| ICCU | Certificates, MMA | 2026-08-15 | First baseline; no effective date on certificate page |
| Westmark | Certificates, MMA | 2026-08-15 | First baseline (cert eff. 2026-07-16; MMA eff. 2026-07-01) |
| CapEd | MMA | 2026-08-15 | MMA collected; certificate table blank on live render |
| DCU (division) | Regular certificates | 2026-08-15 | Candidate ↓25bps [Verify — effective-date field blank] |
- First Tech prior endpoint: The indicated ↓25bps on 3-, 6-, and 9-month certificates depends on a July 6 search-index capture that has not been confirmed against a preserved institution-controlled rate sheet.
- DCU effective-date gap: The DCU regular-certificate page collected 2026-08-15 shows values matching First Tech's current under-$100k tier, but its "Rates are effective" field is blank, leaving the timing of any change unestablished.
- Stanford FCU window closing: Stanford's 25- and 50-month certificate specials carry an application deadline of 2026-09-30, so the substitution-pressure spread expires in six weeks absent renewal.
- CapEd certificate render: The CapEd rates page returned a blank certificate table on the August 15 live render, preventing baseline collection for that product.