See your home in a greener light!

Introducing Tech CU’s new Living $mart home equity loan—save money with a great rate and tax credits!

Being energy and eco-conscious isn’t just the green thing to do, it’s the smart thing with a Tech CU Living $mart loan. With rates as low as 5.75% APR* and federal tax credits for energy-efficient home improvement projects, now is a great time to transform your home.

Take advantage of a Living $mart loan today:

Fixed rates as low as 5.75% APR for up to $50,000
Federal tax credits of up to 30% on qualifying projects**
No early closure fees
Save on monthly electric and energy bills
Reduce your carbon footprint

Here are a few of the “green” home improvement projects that qualify:

Solar panels
Solar water heaters
Window and door upgrades
Insulation improvements
Heating, ventilation or air conditioning

For a complete list of qualifying projects, visit www.energystar.gov/taxcredits

Living $mart Loan
Term	LTV	Amount	Rate	Example Payment per $1000⁺⁺
5 Years	80%	$50,000	5.75%⁺	$19.35
7 years	80%	$50,000	6.25%⁺	$14.86

So go ahead, reduce your high energy bills and help protect the environment at the same time—Tech CU will reward you for it!

To learn more about the Living $mart loan, visit one of our 10 Financial Centers or speak with a Tech CU representative at (800) 553-0880.

*Rates as of 8/10/09 and subject to change without notice. All loans require Tech CU membership, credit approval and you must meet security requirements. Rate depends on loan-to-value ratio, Relationship Rewards discount and other factors. Living $mart Home Equity Loan must be used for qualifying energy-efficient home improvements to receive rate. Loans available for California 1-4 unit primary residences only. Minimum loan amount $10,000, maximum loan amount $50,000. Maximum LTV 80%. No Early Closure Fee. Additional terms and conditions apply. Must apply for loan within 30 days of purchase of qualifying home improvement project(s). **Restrictions apply. Please visit www.energystar.gov or call (888) 782-7397 for details and consult a tax advisor regarding tax credits and possible deductibility of loan interest. †Rate shown includes Premier Level Relationship Reward rate discount of .25% which requires minimum aggregate deposit/loan balance of $100,000. ††Payment per $1,000 is based on highest rate with maximum term.

1Maximum loan amount and loan to value (LTV) calculated as a percentage of appraisal minus the first mortgage. Actual LTV may be lower based on conditions and/or restrictions. Call (408) 451-9111 or (800) 553-0880 for details.