Tech CU
“Can a 65-year-old Bay Area credit union stay relevant to tech workers by bolting AI-fintech partnerships onto a traditional charter?”
Founded1960
HQSan Jose, California, USA
IndustryBank / Community
The story
Tech CU is a ~$5B asset, member-owned credit union founded in 1960 to serve Silicon Valley's tech workforce. It operates a traditional full-service credit union model (checking, savings, mortgages, HELOC, credit cards, wealth management) but has aggressively partnered with fintechs to modernize delivery — most recently joining Upstart's AI lending marketplace in 2025 and operating Tech Capital LLC as a wholly-owned asset-based lending subsidiary serving commercial borrowers nationwide.
Product timeline
1960
Founded to serve the high-tech workforce in the Bay Area.· banking
2025
Partnered with Upstart Referral Network for AI-driven personal loans (Sept 2025).· lending
2025
Migrated digital banking connectivity from Quicken Direct Connect to Express Web Connect (Feb 2025).· banking
2026
Planned expansion of Upstart partnership into auto refinance loans.· lending
Regulated entities
Federally Insured Credit Union (NCUA)
US · 1960
Technology Credit Union
The stack
Payments / PSP
Banking / BaaS
Card issuing
Lending
UpstartAuto LoansMortgage LoansHome Equity Loans and Lines (HELOC)Personal Loans (via Upstart Referral Network)Auto Refinance Loans (via Upstart, planned 2026)Visa Credit CardsSolar $mart loansStudent LoansTech Capital LLC — Asset-Based Lending ($500K–$20MM)Accounts Receivable & Inventory RevolversMachinery & Equipment Term LoansSmall Business and Commercial BankingCommercial Lending
Accounting
Accounting gap: minor