Consumer Loans Rate Sheet - Tech CU

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Consumer Loan Rate Sheet

Rates are subject to change without notice.

New Vehicles


Term¹	Minimum Loan Amount²	Annual Percentage Rate³	Example: Payment per $1,000⁴	Effective Date
12 - 36 months	$5,000	5.49% - 14.49%	$34.42	03/01/2025
37 - 48 months	$5,000	5.74% - 14.74%	$27.70	03/01/2025
49 - 66 months	$5,000	5.74% - 14.74%	$22.20	03/01/2025
67 - 72 months	$15,000	6.24% - 15.24%	$21.28	03/01/2025
73 - 84 months	$25,000	6.84% - 8.34%	$15.76	03/01/2025
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


Term¹	Minimum Loan Amount²	Annual Percentage Rate³	Example: Payment per $1,000⁴	Effective Date
12 - 36 months	$5,000	5.74% - 14.99%	$34.66	03/01/2025
37 - 48 months	$5,000	5.99% - 15.24%	$27.95	03/01/2025
49 - 66 months	$5,000	5.99% - 15.24%	$22.47	03/01/2025
67 - 72 months	$15,000	6.49% - 15.74%	$21.55	03/01/2025
73 - 84 months	$25,000	7.09% - 8.59%	$15.88	03/01/2025
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


Term¹	Minimum Finance Amount²	Annual Percentage Rate³	Example Payment per $1,000⁴	Effective Date
24 - 60 months	$10,000	8.99% - 17.74%	$25.25	03/01/2025
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	14.15% - 25.15%	12.15% - 23.15%	23.15%
Annual Fee	$0	$0	$0
Foreign Transaction Fee	$0	$0	$0
Cash Advance Fee/Balance Transfer Fee	3% of advance amount ($10 minimum)	3% of advance amount ($10 minimum)	3% of advance amount ($10 minimum)
Effective Date	03/01/2025	03/01/2025	03/01/2025

Personal Line of Credit


Type	Credit Limit Amount	Annual Percentage Rate	Rate Type	Effective Date
Revolving	$1,500 - $50,000	14.50% - 28.50%	Variable	03/01/2025
Other conditions may apply. Rates and terms subject to change without notice. Approved APR based on credit qualifications.

Personal Loan


Term¹	Annual Percentage Rate²	Loan Amount³	Example Payment per $1000⁴	Effective Date
24-72 months	11.49% - 27.49%	$1,500 - $50,000	$28.48	03/01/2025
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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