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    Consumer Loan Rate Sheet

    Rates are subject to change without notice.

  • New Vehicles

    Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0005.74% - 14.74%$34.5412/05/2024
    37 - 48 months$5,0005.99% - 14.99%$27.8312/05/2024
    49 - 66 months$5,0005.99% - 14.99%$22.3412/05/2024
    67 - 72 months$15,0006.49% - 15.49%$21.4112/05/2024
    73 - 84 months$25,0007.09% - 8.59%$15.8812/05/2024

    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.

    Financing available on purchases of new vehicles up to one model year old and less than 10,000 miles.

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

  • Used Vehicles

    Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0005.99% - 15.24%$34.7812/05/2024
    37 - 48 months$5,0006.24% - 15.49%$28.0812/05/2024
    49 - 66 months$5,0006.24% - 15.49%$22.6012/05/2024
    67 - 72 months$15,0006.74% - 15.99%$21.6912/05/2024
    73 - 84 months$25,0007.34% - 8.84%$16.0112/05/2024

    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.

    All loans require Tech CU membership, credit approval, and you must meet security requirements. Tech CU will finance private party purchases for used vehicles registered in the state of California. Other terms and conditions may apply.

  • New Motorcycles

    Term1Minimum Finance Amount2Annual Percentage Rate3Example Payment per $1,0004Effective Date
    24 - 60 months$10,0009.24% - 17.99%$25.3912/05/2024

    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 Advances14.40% - 25.40%12.40% - 23.40%23.40%
    Annual Fee$0 $0 $0
    Foreign Transaction Fee$0 $0 $0
    Cash Advance Fee/Balance Transfer Fee3% of advance amount ($10 minimum)3% of advance amount ($10 minimum)3% of advance amount ($10 minimum)
    Effective Date12/05/202412/05/202412/05/2024

  • Personal Line of Credit

    TypeCredit Limit AmountAnnual Percentage RateRate TypeEffective Date
    Revolving$1,500 - $50,00014.75% - 28.75%Variable12/05/2024

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

  • Personal Loan

    Term1Annual Percentage Rate2Loan Amount3Example Payment per $10004Effective Date
    24-72 months11.49% - 27.49%$1,500 - $50,000$28.48 12/05/2024

    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

    ©Technology Credit Union. All rights reserved. Federally insured by NCUA.

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