Six peer-set HELOC introductory offers are active or potentially active across TechCU's two markets. Headline intro APRs range from 3.99% (CapEd, Treasure Valley [Verify]) to 6.75% (Stanford FCU, Bay Area [Confirmed]). TechCU's 5.75% intro sits 26bps above Patelco and 24bps below Monterra among confirmed Bay Area offers.
The 276bps spread across the full set overstates competitive distance once normalization limits are applied. Regulation Z computes HELOC APR from the periodic rate alone. Fees to open, use, or close the line are excluded. A $1,500 establishment fee (KeyPoint discloses $600–$1,500) or early-closure recapture (TechCU, $500–$1,500 in CA) adds cost invisible in the APR. Intro periods are not aligned: Patelco specifies six billing cycles, not six calendar months. Stanford FCU's Prime+0% carries no intro expiration. Post-intro margins are undisclosed for Patelco, Monterra, and CapEd, preventing total-cost comparison beyond the intro window. CLTV ceilings range from 80% (Stanford FCU, CapEd) to 85% (KeyPoint, with a $175K cap above 80%).
These offers cannot be ranked on headline APR alone. The fee, period, and post-intro gaps are too wide.
Intro offers at collection (2026-08-15)
| Institution | Intro APR | Period | Deadline | Status |
|---|---|---|---|---|
| CapEd (ID) | 3.99% | 6 mo | None posted | [Verify] |
| Patelco | 5.49% | 6 cycles | 2026-08-31 | [Confirmed] |
| TechCU | 5.75% | 6 mo | 2026-10-01 | [Confirmed] |
| Monterra | 5.99% | 6 mo | 2026-08-31 | [Confirmed] |
| KeyPoint | 6.24%–7.49% | 12 mo | None posted | [Verify] |
| Stanford FCU | 6.75% | Loan term | None posted | [Confirmed] |
Normalization limits on this comparison:
Fees excluded from APR: Reg Z periodic-rate calculation omits origination, establishment, and early-closure fees. KeyPoint's disclosed $600–$1,500 establishment fee adds ~100bps annualized on a $150K line over one year.
Post-intro opacity: Patelco, Monterra, and CapEd do not disclose the index or margin governing post-intro pricing on their public rate pages. For a 3- or 5-year hold, the post-intro rate dominates total cost.
Stale source flag: KeyPoint's rate page self-reports "As of 3/1/2026" (5.5 months old at collection).