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Consumer Loan Rate Sheet

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Rates are subject to change without notice.

New Vehicles

Term1

Minimum Loan Amount2

 		Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
12 - 66 months

Minimum Loan Amount2

5,000
Annual Percentage Rate3
5.24% - 14.74%
Example: Payment Per $10004
$22.20
Effective Date
02/18/2026
Term1
67 - 72 months

Minimum Loan Amount2

15,000
Annual Percentage Rate3
5.49% - 14.99%
Example: Payment Per $10004
$21.14
Effective Date
02/18/2026
Term1
73 - 84 months

Minimum Loan Amount2

25,000
Annual Percentage Rate3
5.99% - 15.49%
Example: Payment Per $10004
$19.57
Effective Date
02/18/2026

Vehicle Loan Terms:

1Term subject to credit approval.
2Maximum loan amount based on approved credit. New (current model year) vehicles: Up to 125% of MSRP (including tax, license, and document fees), plus GAP on approved credit.
3Interest Rate will vary based on approved credit. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work.
4Payment per $1,000 is based on the highest interest rate with the maximum term.

New Auto is defined as a vehicle that is up to 2 years old (2024 or newer).

All loans require Tech CU membership, credit approval, and you must meet security requirements. Other terms and conditions may apply.

Used Vehicles

Term1

Minimum Loan Amount2

 		Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
12 - 66 months

Minimum Loan Amount2

5,000
Annual Percentage Rate3
5.49% - 15.24%
Example: Payment Per $10004
$22.47
Effective Date
02/18/2026
Term1
67 - 72 months

Minimum Loan Amount2

15,000
Annual Percentage Rate3
5.74% - 15.49%
Example: Payment Per $10004
$21.41
Effective Date
02/18/2026
Term1
73 - 84 months

Minimum Loan Amount2

25,000
Annual Percentage Rate3
6.24% - 15.74%
Example: Payment Per $10004
$19.71
Effective Date
02/18/2026

Vehicle Loan Terms:

1Term subject to credit approval.
2Maximum loan amount based on approved credit. Financing available on used vehicles (including fleet returned vehicles), excluding salvaged vehicles. Used Vehicles 7 years old or less and 100,000 miles or less: Up to 125% of Kelley Blue Book Retail Value (including tax, license, and document fees), plus GAP on approved credit. Used Vehicles over 7 years old or more than 100,000 miles: Up to 90% of Kelley Blue Book Retail Value (including tax, license, and document fees), plus GAP on approved credit.
3Interest Rate will vary based on approved credit and term. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work.
4Payment per $1,000 is based on the highest interest rate with the maximum term.

Used Auto is defined as a vehicle that is 3 years old or older (2023 or older).

All loans require Tech CU membership, credit approval, and you must meet security requirements. Other terms and conditions may apply.

 

New Motorcycles

Term1 Mininum Loan Amount2 Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
24 - 60 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
8.49% - 17.24%
Example: Payment Per $10004
$24.98
Effective Date
02/18/2026

Motorcycle Loan Terms:

1Term subject to credit approval.
2Maximum loan amount based on approved credit. Loans on new (current model year) motorcycles can include up to 100% of purchase price plus sales tax, license, dealer prep, GAP, and extended warranty.
3Interest Rate will vary based on approved credit.
4Payment per $1,000 is based on the highest interest rate with the maximum term.

All loans require Tech CU membership, credit approval, and you must meet security requirements. Other terms and conditions may apply.

Credit Cards

Visa Signature Visa Classic Visa Classic (Share Secured)
Annual Percentage Rate (APR) for Purchases and Balance Transfers and Cash Advances
Visa Signature
13.40% - 24.40%
Visa Classic
11.40% - 22.40%
Visa Classic (Share Secured)
22.40%
Annual Fee
Visa Signature
$0
Visa Classic
$0
Visa Classic (Share Secured)
$0
Foreign Transaction Fee
Visa Signature
$0
Visa Classic
$0
Visa Classic (Share Secured)
$0
Cash Advance Fee/Balance Transfer Fee
Visa Signature
3% of advance amount ($10 minimum)
Visa Classic
3% of advance amount ($10 minimum)
Visa Classic (Share Secured)
3% of advance amount ($10 minimum)
Effective Date
Visa Signature
02/18/2026
Visa Classic
02/18/2026
Visa Classic (Share Secured)
02/18/2026

Personal Line of Credit

Type Credit Limit Amount Annual Percentage Rate Rate Type Effective Date
Type
Revolving
Credit Limit Amount
$500 - $50,000
Annual Percentage Rate
13.75% - 27.75%
Rate Type
Variable
Effective Date
02/18/2026

Other conditions may apply. Rates and terms subject to change without notice. Approved APR based on credit qualifications.

Personal Loan

Term Annual Percentage Rate Loan Amount Example Payment per $10002 Effective Date
Term
24-72 months
Annual Percentage Rate
11.49% - 27.49%
Loan Amount
$1,500 - $50,000
Example Payment per $10002
$28.48
Effective Date
02/18/2026

Loan Terms:
1Term subject to credit approval.
2Interest Rate will vary based on approved credit.
3Maximum loan amount based on approved credit.
4Payment per $1,000 is based on the highest interest rate with the maximum term.

Available rates subject to change without notice. Interest rate and term assigned to approved applicants may depend on credit history, loan amount, and other factors we may lawfully consider.

All loans require Tech CU membership and credit approval. Other terms and conditions may apply.

2010 North First Street | San Jose, CA 95131 | (800) 553-0880

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