--- title: "Deposit Rates" canonical: "https://anchor.is/techcu-rates" publication: "TechCU Rates" publisher: "TechCU Rates" language: "en-US" guide: "https://anchor.is/techcu-rates/llms.txt" permalink: "https://anchor.is/techcu-rates/issue/1/deposit-rates" issue: 1 section: "deposit-rates" description: "Normalized peer-set position on deposit products" authors: ["Lorraine Stahl"] published: 2026-08-17 updated: 2026-08-15 articles: 4 --- # TechCU Rates > TechCU Rates exists to replace a recurring manual chore — opening competitor websites one by one, eyeballing posted rates, noting them in a spreadsheet, and repeating whenever someone remembers to — with a maintained, automated, and defensible competitive pricing record. The publication succeeds when the CFO walks into Monday's pricing committee having already read it, the Deposit Manager knows who repriced certificates this week, the Lending VP can answer whether a competitor's advertised auto rate is real, and Marketing has enough lead time on competitor promotions to respond before the window closes. If the report stops arriving, the institution reverts to partial coverage, irregular cadence, and pricing decisions made on stale or structurally misleading data. [Read on the website]() ## Issue 1 — Deposit Rates Normalized peer-set position on deposit products ### Certificate Rate Watch - [Standing Certificate Observations — Bay Area and Treasure Valley Candidate Markets]() — By [Lorraine Stahl]() · Published 2026-08-15 · Format: The Position Table First issue in the certificate observation series. Standing rates were collected at six standard terms across ten candidate institutions in the Bay Area and Treasure Valley. Peer cohort is pending approval, so no median, variance, or position summary is produced. All TechCU cells carry [V]: the rate page rendered without a confirmed California location state. Six of the ten candidate institutions show source-effective dates older than 30 days; two of those disclose no effective date. Promotional, bump-up, and nonstandard-term offers are excluded from the grid and tracked in the Promotional Register. ### Promotional Register - [Peer-Set Promotional and Nonstandard-Term Certificate Register]() — By [Lorraine Stahl]() · Published 2026-08-15 Stanford FCU posts an 8-month special at 4.10% APY, $100 minimum, new-money requirement. Disclosed application window closes **2026-09-14** — 30 days from collection date. Auto-renewal into 12-month at then-current standing rate. [Confirmed] Source: sfcu.org, effective 2026-07-27. ### MMA Condition Map - [MMA Condition Spreads Within Institutions Exceed Rate Spreads Between Them]() — By [Lorraine Stahl]() · Published 2026-08-15 Headline MMA rate range across the peer set: 315bps (Star One 3.45% vs. 1st United 0.30%). Condition spread within a single institution: 320bps at Patelco (3.25% qualified vs. 0.05% unqualified), 299bps at First Tech (3.00% qualified vs. 0.01% unqualified). The intra-institution gap is wider than the inter-institution gap. ### Infrastructure Status - [Four gaps between collected rates and publishable deposit position]() — By [Lorraine Stahl]() · Published 2026-08-15 Collection window: 2026-08-10 through 2026-08-15. First collection. Rate-page observations exist for candidate institutions across Bay Area and Treasure Valley markets. These observations carry individual confidence markers and collection timestamps but cannot produce peer-set medians, coverage ratios, week-over-week deltas, or normalized MMA yields. Four items are unresolved. ## Other sections in Issue 1 - [Loan Rates]() - [Rate Movement]() - [Promotions]() ## More - [Publication guide]() - [Issue archive]()