Collection window 2026-08-01 through 2026-08-15. Prime held at 6.75% (H.15 confirmed through 2026-08-13). No promo-rate movement in this window is index-driven.
Four peer-set promotional loan offers are active. All are excluded from standing Loan Position Table comparisons.
TechCU's HELOC intro (5.75%, 6 months) has 47 days remaining on its application deadline. The same 5.75% intro rate appears in the Treasure Valley acquisition package, bundled with a 0.25% new-auto discount producing a 4.99% "as low as" APR. The auto discount is restricted to Ada and Canyon County, Idaho, and does not apply to the California peer-set comparison. TechCU's California new-auto floor remains 5.24%.
Stanford FCU's ADU HELOC carries a 5.75% fixed intro for 12 months with no posted end date. Post-intro rate is Prime + 0.00% (6.75%). Stanford's own footnote labels its standard owner-occupied HELOC at Prime + 0.00% as a "temporary promotional offer" effective since 12/11/2025. Flag for committee: Stanford's standing 6.75% HELOC rate may itself be promotional, which changes its treatment in the Loan Position Table.
Provident's two 5-year fixed-intro HELOCs (6.75% Prime Plus, 6.50% Relationship) remain listed. Provident's rate page effective date did not render. Standing HELOC rates on the same page imply a Prime environment of ~7.50%, inconsistent with current 6.75% Prime. [Verify — source effective date unresolved; standing rates appear stale.]
TechCU HELOC Intro — 5.75% APR, 6-month fixed. Post-intro 6.75%–7.25%. Deadline: before 2026-10-01. No refis, no existing HELOC holders. [Active]
TechCU Treasure Valley Auto — 4.99% "as low as" new-auto APR (0.25% discount from standard). Ada/Canyon County, ID only. Deposit deadline 2026-09-30; auto expiration not separately stated. [Active — geo-restricted]
Stanford FCU ADU HELOC — 5.75% fixed, 12 months. Post-intro: Prime + 0.00% = 6.75%. ADU collateral only; approved county permit required; max 80% CLTV. Rate table effective 2026-07-03. No end date posted. [Active]
Provident 5-Yr Fixed Prime Plus — 6.75% fixed start rate, 5 years. Post-fixed: Prime + 1.00%. APR 8.150% (reflects full-term calc). Max 70% CLTV, max $200K, $100 annual fee. [Verify — effective date unresolved]
Provident 5-Yr Fixed Relationship — 6.50% fixed start rate, 5 years. Post-fixed: Prime + 0.75%. APR 7.900%. Same CLTV/amount limits. Requires existing Provident mortgage, payroll DD, or qualifying product. [Verify — effective date unresolved]