Loan Rates - Effective January 1, 2020
Rates are for loans obtained through retail branches, telephone, and Tech CU website. You'll receive the lowest rate we can offer based on your personal credit profile, loan type and terms of the loan. APR = Annual Percentage Rate. Other loan conditions may apply beyond those shown below. Rates may change without notice. Tech CU is an Equal Opportunity Lender.
For information or to apply, please contact your nearest branch or call our Loan Department at (800) 276-8324 extension 233.
Low rates and competitive terms are available on cars, trucks and motorcycles.
No application fees
Repayment terms to 84-months5
Finance up to 100% with nothing down
90-days to first payment option4
Rates shown are for cars, trucks and motorcycles. Motorcycles must be valued at $10,000 or greater to qualify for these rates. Motorcycles valued under $10,000 receive recreational vehicle loan rates.
100% Vehicle Financing3
*Vehicle loan special rates range from 2.74% APR to 5.49% APR. Requires auto-pay from a Tech CU account and e-Statements. No other discounts apply. Vehicle must be valued at $5,000 or more. Minimum loan amount is $5,000. Minimum monthly payment is $100.00. Refinanced Tech CU loans require $5,000 new money. Sample payment shown is for a $10,000 loan amount. Loan must close through a branch or by mail. Offer may end without notice. Other rates and terms available.
Rates shown require auto-pay from a Tech CU account and e-Statements; all rates (except 84-month) are 1/4% higher without these services. No other discounts may be applied. A minimum of $1,000 new money required. Loan must close through a branch or by mail. Standard loan approval criteria apply. Other rates and terms are available. Rates may change without notice.
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.
2 Unless otherwise noted, monthly payment sample 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 90-days to first payment will increase the length of the loan term by two months.
5 84-month term requires e-Statement, auto-pay from a Tech CU account and GAP insurance (if loan-to-value is greater than 80%); without these requirements standard loan rates apply. Minimum loan amount is $20,000 on new vehicles and $15,000 on used. Sample payment shown is based on $15,000 loan amount.
Recreational Vehicle Loans
Rates & terms shown below are available for camper trailers, travel trailers, fifth-wheel travel trailers, truck campers, type A, B and C motor homes, sport utility RVs, ATVs, jet skis, snowmobiles, boat-motor-trailer units as well as motorcycles valued under $10,000. Other rates and terms are available. Model years 2010 through 2013 add 1% to 2016 through 2020 rates.
Model Year 2016 - 2020 (New or Used)
Model Year 2014 - 2015 (Used)
1 Maximum amount financed is based on amount of dealer invoice for new units and NADA wholesale/trade for used. The National Automobile Dealers Association (NADA) provided vehicle valuation services to businesses and consumers.
2 Monthly payment sample is for the maximum loan amount at the terms shown and assumes 30 days to first payment.
1 Annual Percentage Rate (APR) ranges from 13.49% to 17.99%.
2 Monthly payment sample is for the maximum loan amount at the terms shown. Minimum monthly payment is $50.00.
Share Secured Loans
Rates as low as 3.063% APR. Repayment term up to 72-months based on loan amount. Minimum loan amount is $300. Loan is secured by savings on deposit.
Annual Percentage Rate (APR) ranges from 3.063% to 4.063%.
Debt Consolidation Loan
Rates as low as 10.49% APR. Borrow $5,000 to $25,000. Repayment term up to 60-months. No application fee.
Annual Percentage Rate (APR) ranges from 10.49% to 16.99%. Loan requires auto-pay from Tech CU Checking or Savings account.
Rates as low as 13.49% APR. Line of credit linked to checking account. Payments are $5.00 per $100.00 outstanding.
Annual Percentage Rate (APR) ranges from 13.49% to 17.99%.
Home Equity Loans
Fixed Rate Home Equity Loans
The rate you receive is fixed for the term of the loan and is based on the loan term and amount you choose and your personal credit profile. Rates may change without notice. Unless otherwise noted, loans shown are available up to 85% loan-to-value (LTV) financing. 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. Sample monthly payments are based on terms shown.
NOTE: Rates shown are lowest available on 7-year and 10-year term loans $10,000 to $250,000. Requires auto-pay from a Tech CU account and e-Statements; rate is .25% more without these services. Up to 85% loan-to-value (LTV) financing base on drive-by appraisal and your personal credit profile. Refinancing of current Tech CU home equity loans requires $10,000 new money.
Home Equity Line of Credit
Flex Equity Line: 3.24% APR for the first 12 months!
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 advance. Click for disclosure of terms or to learn more about home equity lines of credit. (Get Adobe Acrobat Reader)
Introductory Annual Percentage Rate (APR) is for the first 12-months on new Flex Equity Line loans. After the introductory period, the APR may vary monthly and is based on the Prime Rate as of the last business day of the previous month. On 1/31/2020 the Prime Rate was 4.75%. The APR ranges from Prime Rate + .49% to Prime Rate + 2.74%. The rate will not adjust to below 3.00% APR or higher than 15.00% APR during the term of the loan. Closing costs are waived on new loans with a $10,000 or more opening balance. Property insurance required. Flood insurance may be required. Early termination fee and other loan conditions may apply. Refinanced Tech CU home equity loans do not qualify for the introductory rate. Subject to credit approval and underwriting.
A full range of traditional and special-program mortgages are available through CU Mortgage Services (a Tech CU company).
Fixed Rate Conventional Mortgages
First Time Home Buyer
For more information and current rates, call (800) 285-0670 or visit the CU Mortgage Service web site at http://www.cumortgageservice.com/.