Credit union · NCUA insured
Technology Credit Union Auto Loan Rates
Technology Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Technology Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where Technology Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Technology Credit Union
5.24%APR
- Terms
- 12–66 months
- Up to
- 14.74% APR
- Discount
- None included
New Auto Loan
Lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Stanford Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Technology Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Technology Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
Vehicle up to 2 model years old. Financing up to 125% of MSRP (including tax, license, and document fees), plus GAP on approved credit. Maximum loan amount based on approved credit. Interest rate varies based on credit and term; higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work; lower APRs apply to loans with less than 90% LTV. Requires Tech CU membership and credit approval. No application fee, no pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 12–66 months | 5.24%–14.74% | Minimum loan amount $5,000. Example payment per $1,000 is $22.20 based on highest interest rate with maximum term. |
| 67–72 months | 5.49%–14.99% | Minimum loan amount $15,000. Example payment per $1,000 is $21.14 based on highest interest rate with maximum term. |
| 73–84 months | 5.99%–15.49% | Minimum loan amount $25,000. Example payment per $1,000 is $19.57 based on highest interest rate with maximum term. |
Sources (2)
- techcu.com/Personal/Loans-and-Lines/Auto-Loans/CA-Other
- techcu.com/Personal/Loans-and-…ns/New-And-Used/CA-Other
All captured Oct 6, 2026
New Motorcycle Loan
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. Terms of up to 5 years (60 months). Interest rate will vary based on approved credit. Maximum loan amount based on approved credit. All loans require Tech CU membership, credit approval, and meeting security requirements.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 8.49%–17.24% | Minimum loan amount $5,000. Example payment per $1,000 is $24.98 based on highest interest rate with maximum term. |
Sources (2)
- techcu.com/Personal/Loans-and-Lines/Auto-Loans/CA-Other
- techcu.com/Personal/Loans-and-…ns/New-And-Used/CA-Other
All captured Oct 6, 2026
Used Auto Loan
Used Auto is a vehicle that is 3 to 10 model years old (older than 10 model years may be considered on an exception basis). Cars 7 years old or less and 100,000 miles or less: borrow up to 125% of Kelley Blue Book Retail Value (including tax, license, document fees, and extended warranty), plus GAP on approved credit. Cars over 7 model years old or over 100,000 miles: borrow up to 90% of Kelley Blue Book Retail Value, plus GAP on approved credit. Higher APRs apply to refinances of existing Tech CU loans, private party sales, other loans where Tech CU handles vehicle title work, and vehicles with more than 125,000 miles. Lower APRs apply to loans with less than 90% LTV. Excludes salvaged and commercial use vehicles. Requires Tech CU membership and credit approval. No application fee, no pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 12–66 months | 5.49%–15.24% | Minimum loan amount $5,000. Example payment per $1,000 is $22.47 based on highest interest rate with maximum term. |
| 67–72 months | 5.74%–15.49% | Minimum loan amount $15,000. Example payment per $1,000 is $21.41 based on highest interest rate with maximum term. |
| 73–84 months | 6.24%–15.74% | Minimum loan amount $25,000. Example payment per $1,000 is $19.71 based on highest interest rate with maximum term. |
Sources (2)
- techcu.com/Personal/Loans-and-Lines/Auto-Loans/CA-Other
- techcu.com/Personal/Loans-and-…ns/New-And-Used/CA-Other
All captured Oct 6, 2026
Who can join Technology Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Santa Clara, San Mateo, Alameda, Contra Costa, Santa Cruz, San Francisco, Marin, Napa, Solano, Sonoma, Los Angeles, Orange, San Diego, Sacramento, and San Joaquin Counties in California.
- Membership is open to anyone who lives or works in Canyon or Ada Counties in Idaho.
Employers and groups
- Membership is open to employees and employers of public or private technology-based entities with a location in California.
- Membership is open to employees of TechCU@Work companies anywhere in the United States.
Family and household
- Membership is open to family members of current Tech CU members anywhere in the United States.
Other ways
- Membership is open to members of affiliated organizations including the Financial Fitness Association, the Northern California Human Resource Association (NCHRA), or the San Jose State University Alumni Association (SJSUAA).
Membership information collected October 5, 2026.