Loan Rates
Loan Rate Information
All loans subject to credit approval. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.
Auto & Recreational Vehicles
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| Account Description | Maximum Term | Annual Percentage Fixed Rate As Low As* |
|---|---|---|
| New & Used Auto (see additional details and disclosures below) |
0 to 60 Months 61 to 84 Months |
6.24% APR 6.74% APR |
| Classic Auto | 0 to 36 Months | 8.24% APR |
| New & Used RV | 0 to 60 Months 61 to 84 Months 85 to 144 Months |
8.24% APR 8.74% APR 10.74% APR |
| New & Used Motorcycle | 0 to 60 Months 61 to 72 Months |
8.24% APR 8.74% APR |
| New & Used Boat | 0 to 60 Months 61 to 84 Months 85 to 144 Months |
8.24% APR 8.74% APR 10.74% APR |
| View Disclosures | ||
Effective 11/1/23
Personal Loan & Lines of Credit
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| Account Description | Maximum Term | Annual Percentage Rate As Low As* |
|---|---|---|
| Personal Line of Credit | Revolving | 11.74% APR* |
| Personal Loan | 60 Months | 9.49% APR** |
| Share Secured Loan | Call 888.723.7328 for loan rates on your share account |
|
| Certificate Secured Loan | Call 888.723.7328 for loan rates on your certificate |
|
| View Disclosures | ||
Effective 11/1/23
Visa Application and Solicitation Disclosure
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases
Tech Card/Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa
15.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Platinum Cash Back Visa
14.24% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Student Platinum Cash Back Visa
5.00% fixed rate for the first sixty months.
14.24% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Secured Visa
17.99%
APR for Balance Transfers
Tech Card/Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa
1.99% Introductory APR for six months from account opening.
After that, your APR will be 15.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Platinum Cash Back Visa
1.99% Introductory APR for six months from account opening.
After that, your APR will be 14.24% to 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Student Platinum Cash Back Visa
5.00% fixed rate for the first sixty months.
14.24% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Secured Visa
17.99%
APR for Cash Advances
Tech Card/Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa
15.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Platinum Cash Back Visa
14.24% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Student Platinum Cash Back Visa
5.00% fixed rate for the first sixty months.
14.24% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Secured Visa
17.99%
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date. This excludes our Classic Secured Visa.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Home Equity Loan Rates
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| Home Equity Loan | Interest Rate | APR | Monthly Payment |
|---|---|---|---|
| HELOC (variable) | 8.500% | 8.500% | $1,771 (240 payments) |
| 15 Yr Fixed Second Mortgage | 8.000% | 8.026% | $2,389 (180 payments) |
| 20 Yr Fixed Second Mortgage | 8.240% | 8.261% | $2,129 (240 payments) |
| View Disclosures | |||
Effective 4/22/24
