Consumer Lending Rates

 

855.855.8805 | firsttechfed.com

Effective date: July 1, 2015

 

 

 

 

 

 

 

Accounts

Annual Percentage Rate

Loan Amount

Loan Term

(APR)1

(Min/Max)

 

 

Vehicle Loan Rates (varies by State)1

 

 

 

New Auto Loan (0-2 model years)5

as low as 2.24%

$1,000/$150,000

to 60 months

as low as 2.79%

$5,000/$150,000

to 84 months

 

Used Auto Loan (3-10 model years)5

as low as 2.38%

$1,000/$150,000

to 60 months

as low as 3.02%

$5,000/$150,000

to 84 months

 

New Motorcycle/Scooter Loan (0-1 model years)

as low as 6.00%

$1,500/$100,000

to 60 months

Used Motorcycle Loan (2-5 model years)

as low as 6.50%

$1,500/$100,000

to 60 months

New RV/Boat/Camper/Travel Trailers Loan (0-1 model years)

as low as 6.24%

$1,500/$150,000

to 60 months

as low as 6.74%

$5,000/$150,000

to 72 months

(Excludes "pop-up" trailers and mounted canopy shells)

PLEASE NOTE: Used RV, Boat, Camper & Travel Trailers (2-5 model years)

as low as 6.74%

$20,000/$150,000

to 84 months

add 0.50%; Older Used(6-10 model years)add 1.00% to the advertised
new rate. All RVs, Boats, Campers and Trailers must be titled in the
state borrower resides.

as low as 7.24%

$50,000/$150,000

to 120 months

as low as 8.24%

$75,000/$150,000

to 180 months

 

Credit Cards

 

 

 

Odyssey Rewards World Elite MasterCard

as low as 10.99%4

$25,000/$100,000

revolving

Choice Rewards World MasterCard

as low as 9.99%4

$10,000/$35,000

revolving

Platinum Rewards MasterCard

as low as 9.99%4

$500/$25,000

revolving

Platinum MasterCard

as low as 8.99%4

$500/$25,000

revolving

Platinum Secured MasterCard

16.00%4

$500/$25,000

revolving

Personal Loans

 

 

 

Personal Line of Credit

as low as 10.99% 2

$500/10,000

revolving (no set term)

 

as low as 8.50%

$500/$35,000

to 24 months

 

as low as 9.50%

$500/$35,000

to 36 months

Personal Loan

as low as 10.50%

$5,000/$35,000

to 48 months

as low as 11.50%

$10,000/$35,000

to 60 months

 

 

as low as 12.50%

$15,000/$50,000

to 72 months

 

as low as 13.50%

$20,000/$50,000

to 84 months

 

as low as 4.25%

$25,000/$1,000,000

to 60 months

Stock Secured Loan

as low as 4.75%

$50,000/$1,000,000

to 96 months

 

as low as 4.75%

$100,000/$1,000,000

to 144 months

Stock Secured Line of Credit

as low as 6.25% 3

$25,000/$500,000

revolving (no set term)

Savings Secured Loan

Savings Rate

$500/$500,000

to 60 months

(Actual loan rate is based on the current rate of the savings account used
as collateral.)

plus 3.00%

$20,000/$500,000

to 96 months

Certificate Secured Loan

Certificate Rates

$500/$500,000

to certificate maturity

(Actual loan rate is basedon the current rate of the certificate used as collateral.)

plus 3.00%

 

 

 

Loan Payment Examples:

 

 

 

Account

Annual Percentage Rate

Term

Monthly payment per

(APR)

$1,000 borrowed

 

 

 

New Auto Loan

2.24%

60 months

$17.64

Used Auto Loan

2.38%

60 months

$17.70

New Motorcycle/Scooter Loan

6.00%

60 months

$19.33

Used Motorcycle/Scooter Loan

6.50%

60 months

$19.57

New RV/Boat Loan

6.24%

60 months

$19.45

Personal Loan

11.50%

60 months

$21.99

Stock Secured Loan

6.25%

60 months

$19.45

Savings Secured Loan

3.00%

60 months

$17.97

Certificate Secured Loan

3.00%

60 months

$17.97

1APR = Annual Percentage Rate. Actual rate will be determined based on the applicant’s credit history, primary State of residency, collateral financed, mileage and final loan terms. Stated rate based on California residency. Offer is subject to normal credit qualifications, meeting First Tech Federal Credit Union’s relationship requirements and underwriting policy guidelines. Interest rate and program terms are subject to change without notice. Additional restrictions may apply.

210.99% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $500. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 12.1.14, the variable rate for line of credit is 10.99% APR to 18.00% APR. Minimum monthly payment of 4% or $40, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

36.25% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $25,000. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 12.1.14, the variable rate for line of credit is 6.25% APR to 18.00% APR. Minimum monthly payment of 2% or $10, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

4Annual Percentage Rate (APR) will vary with the Prime Rate as published in the Wall Street Journal.

5Maximum Loan to Value (LTV) and Mileage Restrictions Appy: LTV is dependent upon collateral and varies based on purchase price, down payment, borrower credit history, and term. Maximum mileage is 100,000 for new and used autos. High mileage program available up to 150,000 miles for vehicles 0-5 years only with additional .50% APR.

NCUA