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Consumer Loan Rate Sheet for Texas

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Rates are subject to change without notice.

New Vehicles

Term1 Mininum Loan Amount2 Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
12 - 36 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.49% - 14.49%
Example: Payment Per $10004
$34.42
Effective Date
08/01/2025
Term1
37 - 48 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.49% - 14.49%
Example: Payment Per $10004
$27.57
Effective Date
08/01/2025
Term1
49 - 66 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.49% - 14.49%
Example: Payment Per $10004
$22.07
Effective Date
08/01/2025
Term1
67 - 72 months
Mininum Loan Amount2
15,000
Annual Percentage Rate3
5.74% - 14.74%
Example: Payment Per $10004
$21.00
Effective Date
08/01/2025
Term1
73 - 84 months
Mininum Loan Amount2
25,000
Annual Percentage Rate3
6.24% - 7.74%
Example: Payment Per $10004
$15.46
Effective Date
08/01/2025

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 Mininum Loan Amount2 Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
12 - 36 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.74% - 14.99%
Example: Payment Per $10004
$34.66
Effective Date
08/01/2025
Term1
37 - 48 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.74% - 14.99%
Example: Payment Per $10004
$27.83
Effective Date
08/01/2025
Term1
49 - 66 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.74% - 14.99%
Example: Payment Per $10004
$22.34
Effective Date
08/01/2025
Term1
67 - 72 months
Mininum Loan Amount2
15,000
Annual Percentage Rate3
5.99% - 15.24%
Example: Payment Per $10004
$21.28
Effective Date
08/01/2025
Term1
73 - 84 months
Mininum Loan Amount2
25,000
Annual Percentage Rate3
6.49% - 7.99%
Example: Payment Per $10004
$15.58
Effective Date
08/01/2025

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 Mininum Loan Amount2 Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
24 - 60 months
Mininum Loan Amount2
10,000
Annual Percentage Rate3
8.74% - 17.49%
Example: Payment Per $10004
$25.12
Effective Date
08/01/2025

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, Balance Transfers, and Cash Advances
Visa Signature
14.15% - 25.15%
Visa Classic
12.15% - 23.15%
Visa Classic (Share Secured)
23.15%
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
2% of advance amount ($2 minimum)
Visa Classic
2% of advance amount ($2 minimum)
Visa Classic (Share Secured)
2% of advance amount ($2 minimum)
Effective Date
Visa Signature
08/01/2025
Visa Classic
08/01/2025
Visa Classic (Share Secured)
08/01/2025

Personal Line of Credit

Type Credit Limit Amount Annual Percentage Rate Rate Type Effective Date
Type
Revolving
Credit Limit Amount
$1,500 - $50,000
Annual Percentage Rate
14.50% - 28.50%
Rate Type
Variable
Effective Date
08/01/2025

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
08/01/2025

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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