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First Tech Routing #321180379
Rates & Fees

Loans

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Personal

Effective Date: 12/19/2024
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Loan Term Annual Percentage Rate 1 Loan Amount (min/max) Apply
Personal Line of Credit
Revolving (no set term) As low as 13.50% 2 $500 / $10,000
Fixed-Rate Loan
24 months As low as 8.79% $500 / $35,000
36 months As low as 10.29% $500 / $35,000
48 months As low as 11.29% $5,000 / $35,000
60 months As low as 11.79% $10,000 / $35,000
72 months As low as 12.94% $15,000 / $50,000
84 months As low as 13.94% $20,000 / $50,000
Stock Secured Loan
60 months As low as 8.40% $25,000 / $1,000,000
96 months As low as 8.90% $50,000 / $1,000,000
144 months As low as 9.00% $100,000 / $1,000,000
Stock Secured Line of Credit
Revolving (no set term) As low as 13.50% 3 $25,000 / $500,000
Savings Secured Loan
60 months Savings account rate plus 3.00% $500 / $500,000
96 months Savings account rate plus 3.00% $20,000 / $500,000
Certificate Secured Loan
To certificate maturity Certificate account rate
plus 3.00% 		$500 / $500,000
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Personal Example

Account Term Annual Percentage Rate Monthly payment per $1,000 borrowed
Personal Loan 60 months 11.79% $22.14
Stock Secured Loan 60 months 8.40% $20.47
Savings Secured Loan 60 months 3.05% 4 $18.00
Certificate Secured Loan 60 months 3.65% 5 $18.26

Recreational

Effective Date: 12/19/2024
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Loan Term Annual Percentage Rate 1 Loan Amount (min/max) Apply
New Motorcycle / Scooter Loan (0-1 model years)
60 months As low as 6.75% $1,500 / $100,000
Used Motorcycle Loan (2-5 model years)
60 months As low as 7.25% $1,500 / $100,000
RV / Boat Loans 6
60 months As low as 7.30% $1,500 / $300,000
72 months As low as 7.45% $5,000 / $300,000
84 months As low as 7.70% $20,000 / $300,000
120 months As low as 7.90% $50,000 / $300,000
144 months As low as 7.95% $50,000 / $300,000
180 months As low as 8.20% $75,000 / $300,000
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Recreational Example

Account Term Annual Percentage Rate Monthly payment per $1,000 borrowed
New Motorcycle / Scooter Loan 60 months 6.75% $19.69
Used Motorcycle / Scooter Loan 60 months 7.25% $19.92
New RV / Boat Loan 60 months 7.30% $19.95

Student Loan Refinance

Effective Date: 12/19/2024
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Loan Term Annual Percentage Rate 1 Loan Amount (min/max) Apply
Fixed-Rate Loan
5 years As low as 8.60% $5,000 / $500,000
7 Years As low as 8.75% $7,000 / $500,000
10 years As low as 8.90% $10,000 / $500,000
15 years As low as 9.25% $20,000 / $500,000
40% Balloon Loan
15 years As low as 11.40% $20,000 / $500,000
50% Balloon Loan
15 years As low as 11.55% $20,000 / $500,000
1-5 Year Interest Only Loan 7
15 years As low as 11.40% $10,000 / $500,000
6-10 Year Interest Only Loan 7
15 years As low as 12.20% $20,000 / $500,000
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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 Technology 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.

2 = 13.50% 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 12/19/2024 , the variable rate for line of credit is 13.50% 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 = 13.50% 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 12/19/2024 , the variable rate for line of credit is 13.50% 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%.

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

6 = Boat Loans and RV Loans are not available in Puerto Rico.

7 = 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. 

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