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First Tech Routing #321180379

Certificate Secured Personal Loans

The loan that has your certificate working double duty.

  • A no-fee loanCertificate Secured Loan example: $20,750 borrowed at 6.84% Annual Percentage Rate (APR) for 60 months = $19.73 per month per $1,000 borrowed. Pricing is based on savings account or certificate rates.
  • Uses your Share Certificate as collateral
  • Continue to earn dividends and avoid any early withdrawal penalties

As low as 3.00% Annual Percentage Rate (APR)3.00% plus Certificate Rate Certificate Secured Loan example: $20,750 borrowed at 6.84% Annual Percentage Rate (APR) for 60 months = $19.73 per month per $1,000 borrowed. Pricing is based on savings account or certificate rates.

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Certificate Secured Loans

A great loan for those who:

  • Have a First Tech Share Certificate
  • Want to avoid an early withdrawal penalty
  • Want a fixed monthly payment
  • Want to borrow between $500-$500,000 to consolidate debt or pay for a vacation

What you'll get:

  • Fixed-rate
  • Fixed-term loan

Reap the benefits.

Flexible financing options

  • Borrow as little as $500
  • Loan terms up to certificate maturity date

Quick and easy loan application

  • Online loan application
  • Digital document delivery
  • Fast loan decision

More money in your pocket

  • No pre-payment penalty
  • No application or origination fee
  • No annual feeCertificate Secured Loan example: $20,750 borrowed at 6.84% Annual Percentage Rate (APR) for 60 months = $19.73 per month per $1,000 borrowed. Pricing is based on savings account or certificate rates.

Which loan is right for you?The interest rate is based on credit worthiness and credit history. All loans are subject to approval according to First Tech lending policies. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply.

Fixed rate loan

As low as 7.89% Annual Percentage Rate (APR)7.89% <p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>

You can borrow a lump sum up to $50,000 and pay it off at a fixed-rate and term. Check your rate in 30 seconds.Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval.
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Personal Line of Credit

As low as 13.25% Annual Percentage Rate (APR)13.25% Personal Line of Credit example: APR ranges from 13.25% to 18.00%. The Annual Percentage Rate (APR) will vary with the Prime Rate.

Get up to $10,000 cash on-demand and make a payment only when you have a balance.
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Stock Secured Loans

As low as 8.40% Annual Percentage Rate (APR)8.40% Stock Secured Loan example: $93,264 borrowed at 9.18% Annual Percentage Rate (APR) for 60 months = $20.85 per month per $1,000 borrowed.

Borrow between $25,000 and $1,000,000 to cover vacation costs, fund tech projects, pay medical bills, taxes or almost anything else you can imagine.
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Stock Secured Line of Credit

As low as 13.25% Annual Percentage Rate (APR)13.25% Stock Secured Line of Credit example: APR ranges from 13.25% to 18.00%. The Annual Percentage Rate (APR) will vary with the Prime Rate.

Borrow between $25,000 and $500,000 to cover vacation costs, fund tech projects, pay medical bills, taxes or almost anything else you can imagine and want a payment only when you have a balance.
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Certificate Secured Loans

As low as 3.00% Annual Percentage Rate (APR)3.00% Certificate Secured Loan example: $20,750 borrowed at 6.84% Annual Percentage Rate (APR) for 60 months = $19.73 per month per $1,000 borrowed. Pricing is based on savings account or certificate rates.

Borrow between $500-$500,000 to consolidate debt or pay for a vacation and have a First Tech Share Certificate.
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Savings Secured Loans

As low as 3.00% Annual Percentage Rate (APR)3.00% Share Savings Secured Loan example: $18,635 borrowed at 3.88% Annual Percentage Rate (APR) for 60 months = $18.36 per month per $1,000 borrowed.

Borrow between $500-$500,000 to pay off debt or fund a tech innovation and want to hold on to your cash.
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