Online Banking

Loans Rates

Effective Date: May 1, 2018

Account Annual Percentage Rate 1 Loan Amount
(min/max)
Loan Term
New Auto Loan (current and previous model year) as low as 3.99% $1,000/$150,000 60
as low as 4.19% $5,000/$150,000 72
as low as 4.59% $20,000/$150,000 84
Used Auto Loan (2-10 model years) as low as 4.14% $1,000/$150,000 60
as low as 4.64% $5,000/$150,000 72
as low as 4.82% $20,000/$150,000 84
Select the Auto account you want to open.

Auto Example

Account Annual Percentage Rate Term Monthly payment per $1,000 borrowed
New Auto Loan 3.50% 60 months $18.20
Used Auto Loan 3.64% 60 months $18.26
New Motorcycle/Scooter Loan 6.25% 60 months $19.46
Used Motorcycle/Scooter Loan 6.75% 60 months $19.69
New RV/Boat Loan 4.34% 60 months $18.58

Effective Date: May 1, 2018

Account Annual Percentage Rate 1 Loan Amount
(min/max)
Loan Term
Personal Line of Credit as low as 12.49% 2 $500/$10,000 revolving (no set term)
Personal Loan as low as 9.00% $500/$35,000 24
as low as 10.00% $500/$35,000 36
as low as 11.00% $5,000/$35,000 48
as low as 12.00% $10,000/$35,000 60
as low as 13.00% $15,000/$50,000 72
as low as 14.00% $20,000/$50,000 84
Stock Secured Loan as low as 4.25% $25,000/$1,000,000 60
as low as 4.75% $50,000/$1,000,000 96
as low as 4.75% $100,000/$1,000,000 144
Stock Secured Line of Credit as low as 7.75% 3 $25,000/$500,000 revolving (no set term)
Savings Secured Loan Savings account rate plus 3.00% $500/$500,000 60
Savings account rate plus 3.00% $20,000/$500,000 96
Certificate Secured Loan Certificate account rate plus 3.00% $500/$500,000 to certificate maturity
Select the Personal account you want to open.

Personal Example

Account Annual Percentage Rate Term Monthly payment per $1,000 borrowed
Personal Loan 12.00% 60 months $22.26
Stock Secured Loan 4.25% 60 months $18.54
Savings Secured Loan 3.05% 4 60 months $18.00
Certificate Secured Loan 5.00% 5 60 months $18.88

Effective Date: May 1, 2018

Account Annual Percentage Rate 1 Loan Amount
(min/max)
Loan Term
New Motorcycle/Scooter Loan (0-1 model years) as low as 6.25% $1,500/$100,000 60
Used Motorcycle Loan (2-5 model years) as low as 6.75% $1,500/$100,000 60
RV/Boat/Camper/Travel Trailers Loan (0-1 model years) (Excludes "pop-up" trailers and mounted canopy shells) PLEASE NOTE:Used RV, Boat, Camper & Travel Trailers Loan (2-5 model years) 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 4.34% $1,500/$150,000 60
as low as 4.49% $5,000/$150,000 72
as low as 4.74% $20,000/$150,000 84
as low as 4.94% $50,000/$150,000 120
as low as 4.99% $50,000/$150,000 144
as low as 5.24% $75,000/$150,000 180
Select the Recreational account you want to open.

Recreational Example

Account Annual Percentage Rate Term Monthly payment per $1,000 borrowed
New Auto Loan 3.50% 60 months $18.20
Used Auto Loan 3.64% 60 months $18.26
New Motorcycle/Scooter Loan 6.25% 60 months $19.46
Used Motorcycle/Scooter Loan 6.75% 60 months $19.69
New RV/Boat Loan 4.34% 60 months $18.58

Effective Date: May 1, 2018

Account Annual Percentage Rate 1 Loan Amount
(min/max)
Loan Term
5-Year Fixed Term Loan 3.10% 5000/100,000 5 years
10-Year Fixed Term Loan 3.85% 10,000/100,000 10 years
15-Year Fixed Term Loan 4.85% 20,000/100,000 15 years
40% Balloon Loan 5.85% 20,000/100,000 15 years
50% Balloon Loan 6.00% 20,000/100,000 5 years
1-5 Year Interest Only Loan 4 5.60% 10,000/100,000 15 years
6-10 Year Interest Only Loan 4 6.40% 20,000/100,000 15 years
Select the Student Loan Refinance account you want to open.

1 = APR = 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. 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.

1 = Annual Percentage Yield

2 = 11.99% 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 07.01.17, the variable rate for line of credit is 11.99% 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.

3 = 7.25% 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 07.01.17, the variable rate for line of credit is 7.25% 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.

4 = Savings Secured Loan Example uses the Membership Savings account rate + 3.00%.

4 = Interest only payments will vary each month based on the number of days in each payment cycle and the date and amount of the prior monthly payment. 

5 = Certificate Secured Loan Example uses the 60 month share certificate account rate + 3.00%.