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Vehicle Loans
The rates and terms shown below are available for automobiles, trucks, SUVs as well as motorcycles valued at $10,000 or greater. Please contact any branch or our loan department at 1-800-276-8324 for terms and rates available on Recreational Vehicles (folding camper trailers, travel trailers, fifth wheel travel trailers, truck campers, class A, B and C motor homes, sport utility RVs, ATVs, jet skis, snowmobiles, boat-motor-trailer units and motorcycles valued under $10,000).

100% Financing3
Year	Months (max.)	APR1	Payment2
New/Used:
2007-2008	84	7.14%	$152.08
2007-2008	72	5.94%	$165.87
2007-2008	66	5.44%	$176.06
2007-2008	60	5.24%	$190.25
2005-2006	66	5.99%	$178.23
2005-2006	60	5.59%	$191.89
2004	60	5.59%	$191.89
2003	48	5.59%	$233.53
2001-2002	42	5.59%	$263.32

80% Financing4
Year	Months (max.)	APR1	Payment2
New:
2007-2008	84	6.79%	$150.34
2007-2008	72	5.69%	$164.67
2007-2008	66	5.19%	$174.88
2007-2008	60	4.99%	$188.67
Used:
2005-2006	66	5.74%	$177.06
2004-2006	60	5.34%	$190.71
2003	60	5.34%	$190.71
2001-2002	48	5.34%	$232.36

General Notes on Vehicle Loans:
Other rates and terms available.
¹ Annual Percentage Rates (APR) shown are the lowest rates Tech Credit Union offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. Rates may change without notice.
² Payment is based on $10,000 loan amount and assumes 30 days to first payment.
³ 100% financing available on loans not exceeding a loan-to-value of 100% of MSRP on new vehicles and 100% of NADA Average Retail on used vehicles.
⁴ 80% financing available on loans not exceeding a loan-to-value of 80% of MSRP on new vehicles or 80% of NADA Average Retail on used vehicles.

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Home Equity Loans
A variety of Home Equity Loans featuring low rates and convenient terms are available to meet your needs. Home improvements, education expenses, bill consolidation, taxes or whatever comes your way is possible by borrowing against the equity in your home. To make the most of your equity, all Tech CU Home Equity Loans are available for up to 100% of your property value and depending on the loan type, you may borrow from $10,000 to $250,000. Plus, there are no closing fees on new loans of $10,000 or more. And with the possibility of tax-deductible interest, it's a financially smart way to borrow (consult your tax advisor). Apply today and you'll receive a pre-approval with your completed application and access to funds within just two weeks!

For more information, visit a Tech Credit Union branch or call our Tele-Loan department at 1-800-276-8324 (24-hours a day).

Fixed Rate Home Equity Loans
Borrow the cash you need with the protection of a fixed rate and payment for the term of your loan. Terms of up to 15 years are available.

*The rate you receive is fixed for the term of your loan and is based on the loan term, loan to value of your home and your personal credit profile. Rates may change without notice. Closing costs are waived on new loans with $10,000 or more opening balance. Property insurance required. Flood insurance may be required. Early termination fee and other loan conditions may apply. Consult your tax advisor about tax deductibility.

90-day introductory rate! 1.00% below Prime Rate.* . Flex Equity Line allows you to use the equity in your home to establish a line of credit for convenient access to cash through convenience checks and credit line advances.

Click for disclosure of terms for Flex Equity Line. (Get Adobe Acrobat Reader)

*Introductory Annual Percentage Rate (APR) is for the first 90 days of new Flex Equity Line loans. Refinanced Tech CU home equity loans do not qualify for the introductory rate. After the introductory period, the APR may vary monthly and is based on the Prime Rate published on the first of the month in the Wall Street Journal. On 6/1/2008 the Prime Rate was 5.00%. The APR for loans up to 80% LTV ranges from Prime Rate to Prime Rate +2.25%. On 80% LTV loans the rate will not go below 5.00%. The APR for loans 81% to 100% LTV range from Prime + 1.50% to Prime + 3.50%. On 100% LTV loans the rate will not go below 6.50%. The APR will not be higher than 15% during the term of the loan. Closing costs are waived on new loans with $10,000 or more opening balance. Property insurance required. Flood insurance may be required. Early termination fee and other loan conditions may apply. This offer is subject to change and may end without notice. Consult your tax advisor regarding tax deductibility.

Other Home Equity & Lot Loans Are Available:

• Advantage Plus
• Payment Saver
• Home Equity Loan 5-Year
• Home Equity Loan 10-Year
• Home Equity Loan 15-Year
• Lot Loans

Visit a Tech Credit Union branch or call our Tele-Loan department at 1-800-276-8324 for more information.

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Overdraft Protection
Line of credit linked to checking account. Can not exceed $2,500 in the aggregate. Payments are $5.00 per $100.00 outstanding.

Rates as low as 13.40%. Rate you receive is based on your personal credit profile, the loan type and terms of the loan.

First Mortgages
A full range of traditional and special-program mortgages are available through CU Mortgage Services (a subsidiary of Tech CU). For current mortgage rates, call 1-800-285-0670 or visit the CU Mortgage Service web site at www.cumortgageservice.com.

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Personal Loans

Amount	Months (max.)	APR1	Payment2
$5,001-$10,000	60	13.90%	$232.16
$3,000-$5,000.00	48	13.90%	$137.18
$1,000-$2,999.99	36	13.90%	$102.42

¹ Annual Percentage Rate (APR) shown is the lowest rate Tech Credit Union offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. Rates may change without notice.
² Minimum monthly payment is $50.00. Payment example is for the maximum loan amount at the terms shown.

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