Loan Rate Observations — Inaugural Baseline, Bay Area and Treasure Valley Candidate Markets
Inaugural loan-side collection covering HELOC, auto, and mortgage products at six candidate-peer institutions. No peer cohort approved, so no median, variance, or position summary is computed this issue. HELOC margin over Prime is the cleanest comparison available: candidate standing margins run +0.00% to +0.75% over Prime, currently 6.75%. Auto cells carry posted floors only, absent a fixed borrower profile. TechCU mortgage rates remain behind a quote flow. Four promotional or introductory rates documented, including TechCU's Idaho-market auto discount and HELOC intro offers from TechCU and Stanford FCU.
Loan Rate Observations — Inaugural Baseline, Bay Area and Treasure Valley Candidate Markets
Inaugural loan-side collection covering HELOC, auto, and mortgage products at six candidate-peer institutions. No peer cohort approved, so no median, variance, or position summary is computed this issue. HELOC margin over Prime is the cleanest comparison available: candidate standing margins run +0.00% to +0.75% over Prime, currently 6.75%. Auto cells carry posted floors only, absent a fixed borrower profile. TechCU mortgage rates remain behind a quote flow. Four promotional or introductory rates documented, including TechCU's Idaho-market auto discount and HELOC intro offers from TechCU and Stanford FCU.
60-Month Used Auto: Why Two Posted APRs Do Not Yield a Defensible Gap
Stanford FCU posts 4.49% APR on 60-month used auto. Tech CU posts 5.49%. The difference is 100 basis points. The Loan Position Table carries both posted floors and computes no gap between them, because the two numbers do not yet support one. This piece works through six normalization dimensions — credit tier, relationship discount, LTV, vehicle eligibility, fee treatment, and APR construction — showing where the 100bps narrows, where it widens, and where public sources leave it indeterminate. Stanford's 1.00% Ambassador Loyalty+ discount moves the answer more than the other five combined.
60-Month Used Auto: Why Two Posted APRs Do Not Yield a Defensible Gap
Stanford FCU posts 4.49% APR on 60-month used auto. Tech CU posts 5.49%. The difference is 100 basis points. The Loan Position Table carries both posted floors and computes no gap between them, because the two numbers do not yet support one. This piece works through six normalization dimensions — credit tier, relationship discount, LTV, vehicle eligibility, fee treatment, and APR construction — showing where the 100bps narrows, where it widens, and where public sources leave it indeterminate. Stanford's 1.00% Ambassador Loyalty+ discount moves the answer more than the other five combined.
