Please note: Our
San Francisco branch is temporarily closed due to flooding. We apologize for
any inconvenience. The SF branch ATM remains operational. You may also visit
our closest branch in Palo Alto at 490 California Ave. or do your banking
through Tech CU’s Virtual Branch by clicking on the "Make an Appointment" button below. Tech CU’s Online Banking and Mobile Banking app are also
available and all our ATMs are operational. If you have any questions, please
don’t hesitate to reach out to us at (800) 553-0880.
EFFECTIVE DATE: 7/1/2021
Rates are subject to change without notice. Payment samples assume highest interest rate shown on longest term shown; ask for additional payment samples or click here to use our payment calculator. All auto loans require Tech CU membership, credit approval and acceptable collateral. Slightly higher APRs apply to refinances of existing Tech CU vehicle loans, private party sales and other loans where Tech CU handles vehicle title work. We offer many auto loan options; ask us for details.
Vehicle Loan Terms:
Financing available on purchases of new vehicles up to one model year old and less than 10,000 miles.
1Maximum loan amount based on approved credit. New (current model year) vehicles: Up to 125% of Purchase Price, including tax, license, dealer preparation, documentary fees, and Mechanical Breakdown Insurance or Extended Warranty Insurance.2APR = Annual Percentage Rate. Interest Rate will vary based on approved credit and loan to value. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work.3Payment per $1,000 is based on the highest interest rate with the maximum term.
Term subject to credit approval.
All loans require Tech CU membership, credit approval and you must meet security requirements.
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Vehicle Loan Terms:
$15,000 minimum loan amount for 67-72 month financing. $25,000 minimum loan amount for 73-84 month financing on 4 model years or newer with less than 60,000 miles.1Maximum 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. Used Vehicles over 7 years old or more than 100,000 miles: 100% of Kelley Blue Book Wholesale Value. Including tax, license, dealer preparation, documentary fees, and Mechanical Breakdown Insurance or Extended Warranty Insurance.2Interest 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.3Payment per $1,000 is based on the highest interest rate with the maximum term.
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EFFECTIVE DATE: 4/24/2020
Loans available for California 1-4-unit primary residences only. Final combined loan to value may vary based on type of property. Rates as of 6/16/2016. Rates and terms are subject to change without
notice. Additional terms and conditions may apply. Lifetime Maximum APR is 18% and minimum of 2.99%.
1Maximum loan amount and loan to value (LTV) calculated as a percentage of appraisal minus the first mortgage. Approved loan amount may be less than maximum loan-to-value ratio shown depending on property type, credit history
or other factors. Call (408) 451-9111 or (800) 553-0880 for details.
2Current Annual Percentage Rate (APR) determined by the Wall Street Journal Prime rate plus a margin.
No fees are required to establish the line, but if you pay off and close your Equity Line of Credit within three (3) years, a $500 - $1,500 early closure fee will apply.
All loans require Tech CU membership, credit approval, and you must meet security requirements.
For advertisement only. Rates and terms subject to change without notice. Additional conditions and restrictions may apply.
1 Maximum loan amount and loan to value (LTV) calculated as a percentage of appraisal minus the first mortgage. Approved loan amount may be less than maximum loan-to-value ratio shown depending on property type, credit history or other factors.
2Payment per $1,000 is based on the highest interest rate with the maximum term.
We absorb all costs associated with establishing your loan, which generally total funding between $140 and $2,000 depending on the loan amount. If your loan amount is over $200,000 and you pay off the balance and close the account in the first year of funding your loan, you will pay a $750 Early Closure Fee.
This information is part of our Truth in Savings Disclosure. Please refer to your Consumer Membership Agreement for additional account information.
(Note: if the balance is $2,500.01 or higher, the first $2,500.00 in the account will earn the rate for balances up to $2,500.00 and the balance over $2,500.00 will earn the rate for balances over $2,500.00.)
*Product not available for IRA Certificates.
GENERAL INFORMATION: APY means annual percentage yield. Unless otherwise noted, (a) accounts have variable rates, meaning that the rate can change at any time at the discretion of the Tech CU Board of Directors after the account is opened; and (b)
rates are accurate as of the most recent dividend declaration date and subject to change. Certificate rates are accurate as of the effective date of this disclosure and are subject to change at any time. Call (408) 451-9111 or (800) 553-0880 for
current rates. Fees may reduce earnings on all account types that earn dividends. When a Certificate is opened, the rate is fixed for the term of the Certificate. Early withdrawal penalties apply to Certificates. Early IRA withdrawals may be subject
to tax penalty. Ask a Tech CU representative for information about federal insurance on accounts with balances in excess of $250,000.00.
Technology Credit Union accounts are federally insured to at least $250,000.00 by the National Credit Union Administration, a U.S. Government agency.