Loan Rates 

Rates shown are for loans obtained through retail branches, telephone, and Tech CU website. You'll receive the lowest rate we can offer based on your personal credit profile, loan type and term of the loan. Other loan conditions may apply beyond those shown below. Rates may change without notice. APR = Annual Percentage Rate. Tech Credit Union is an Equal Opportunity Lender.

Contact your nearest branch or call our lending specialists at (800) 276-8324 for information or to apply.

Auto Loan Special 

We're offering special rates and terms on 2018 - 2026 cars, trucks, and Harley Davidson motorcycles!

*6.49% APR with auto debit of monthly payment; rate is 6.74% APR without auto debit. Maximum term 75-months on 2021-2026 model years; 60-months on 2018-2020; Maximum loan amount $75,000. Refinance of Tech CU loans do not qualify. Rate special available on applications taken through December 31, 2024. The 90-days until first payment option will increase loan term by two months. Standard loan terms, conditions and guidelines apply. Offer is subject to change or end without notice.

Auto loan rates include cars, trucks and SUVs.

• New, used or refinance
• Finance up to 115% with nothing down³ 
• Repayment terms up to 84-months⁴ 
• Minimum loan amount $2,500
  

Motorcycle & Classic Car Loans

Loan rates shown are for motorcycles and classic cars. Harley Davidson motorcycles are eligible for auto loan rates.

• New, used or refinance
• Repayment terms up to 72-months
• Finance up to 100% with nothing down³
• Minimum loan amount $2,500

Recreational Vehicle Loans

Folding camper trailers, fifth-wheel travel trailers, truck campers, A/B/C motor homes, sport utility RVs. Boat/Motor/Trailer units maximum loan amount $50,000 and maximum term of 84-months. ATVs/Jet Skis/Snowmobiles maximum loan amount $25,000.

Home Equity Loans

Flex Equity Line

This home equity line of credit features a special introductory rate of 3.99% APR for the first 5-months!1  You'll enjoy easy access to your credit line through convenience checks and balance transfers. You'll have the flexibility to use only the amount you need, when you need it.

View disclosure of terms or learn more about home equity lines of credit. (Get Adobe Acrobat Reader)

¹The Annual Percentage Rate (APR) you receive is based on loan requirements and your personal credit profile. Introductory APR is for the first 5-months on new Flex Equity Line loans. After the introductory period, the APR may vary monthly and is based on the Prime Rate as shown in the Wall Street Journal on the last business day of the previous month. On November 30, 2024, the Prime Rate was 7.75%. The APR ranges from Prime Rate to Prime Rate + 1.50%. There is a 10-year draw period with 15-year repayment term. Minimum loan amount is $10,000 and maximum of $350,000. We will lend up to 89.99% of the appraised home value less any first mortgage balance. Early termination fee and other loan conditions may apply. Subject to credit approval and underwriting requirements. Offer may change or end without notice.

First Mortgages

A full range of traditional and special-program mortgages are available through CU Mortgage Services (a Tech Credit Union company).

• Fixed Rate Conventional Mortgages
• First Time Home Buyer
• Mortgage Refinance
• Specialty Mortgages

For more information and current rates, call (800) 285-0670 or visit the CU Mortgage Service web site at http://www.cumortgageservice.com/.

Personal Loans

Share & Certificate Secured Loans

Loans secured by funds in a Membership Savings account or Certificate of Deposit (CD) are ideal for special circumstances or to assist with credit repair or establishing credit. Loan rate is based on current Membership Savings or CD rates. Minimum loan amount is $300.00. Minimum payment is $50.00. Loan terms are up to 60 months on Membership Savings loans or maturity on CD loans. Other loan conditions apply. Contact us at any branch or call (800) 276-8324 for more information and current rates.