--- title: "Promotions" canonical: "https://anchor.is/techcu-rates/issue/1/promotions" publication: "TechCU Rates" publisher: "TechCU Rates" language: "en-US" guide: "https://anchor.is/techcu-rates/llms.txt" permalink: "https://anchor.is/techcu-rates/issue/1/promotions" issue: 1 section: "promotions" description: "Competitor promotional rate activity, flagged weekly" authors: ["Lorraine Stahl"] published: 2026-08-17 updated: 2026-08-15 articles: 11 --- # TechCU Rates > TechCU Rates exists to replace a recurring manual chore — opening competitor websites one by one, eyeballing posted rates, noting them in a spreadsheet, and repeating whenever someone remembers to — with a maintained, automated, and defensible competitive pricing record. The publication succeeds when the CFO walks into Monday's pricing committee having already read it, the Deposit Manager knows who repriced certificates this week, the Lending VP can answer whether a competitor's advertised auto rate is real, and Marketing has enough lead time on competitor promotions to respond before the window closes. If the report stops arriving, the institution reverts to partial coverage, irregular cadence, and pricing decisions made on stale or structurally misleading data. [Read on the website]() ## Issue 1 — Promotions Competitor promotional rate activity, flagged weekly ### Active Promotions Dashboard Collection window: 2026-08-15. All entries carry [New] status. This is the inaugural Promotions issue; no prior-issue observation log exists for lifecycle comparison. Eight promotional offers are active or under verification across the peer set. Certificate specials from Patelco, Stanford FCU, and ICCU cover Bay Area and Treasure Valley markets. Loan-side cards below — tagged by product type and structurally separated from deposit-side entries — carry HELOC introductory rates from Patelco and CapEd, an auto refinance from Monterra, and a Monterra balance transfer offer. Two windows close 2026-08-31. Confidence markers and [Verify] flags are stated per card. Where promotional terms are ambiguous or incomplete on the institution's public page, the flag applies to the rate and the conditions. - **Patelco Posts 4.25% on Seven-Month Certificate** — [Source]() — Published 2026-08-15 Tag: Certificate Special 7-month share certificate at 4.25% APY [Confirmed]. Nonstandard-term special. New money only; $250 minimum; funds must originate outside Patelco. [New] — no end date posted; effective 2026-08-07; 8 days elapsed at collection. - **Stanford FCU Opens 25- and 50-Month Specials** — [Source]() — Published 2026-08-15 Tag: Certificate Special 25-month at 4.20% APY; 50-month at 4.30% APY [Confirmed — homepage; Verify cross-page reconciliation]. Nonstandard-term specials. $100 new money minimum; existing checking or savings required. [New] — deadline 2026-09-30; 46 calendar days remaining. - **Stanford FCU Eight-Month at 4.10% Separate Deadline** — [Source]() — Published 2026-08-15 Tag: Certificate Special 8-month certificate at 4.10% APY [Confirmed]. Nonstandard-term special. Listed on dedicated certificate page, not homepage — not synchronized with the 25-/50-month offers above. [New] — deadline 2026-09-14; 30 calendar days remaining. - **ICCU Runs Five-Term Promotional CD Ladder** — [Source]() — Published 2026-08-15 Tag: Certificate Special Promotional rates across 6-, 12-, 18-, 24-, and 60-month terms; 12-month headline: 4.15% APY [Confirmed]. Limited-time reprice. $500 minimum per term; one additional deposit permitted within 60 days. [New] — no end date posted; rate date 2026-07-20. - **Patelco HELOC Intro at 5.49% Through August** — [Source]() — Published 2026-08-15 Tag: HELOC Promotion HELOC introductory rate: 5.49% APR for 6 billing cycles [Confirmed]. New HELOCs only; excludes fixed-rate and ADU lines; cannot combine with other discounts. [New] — apply by 2026-08-31; 16 calendar days remaining at collection. - **CapEd HELOC Intro Posts 3.99% Treasure Valley** — [Source]() — Published 2026-08-15 Tag: HELOC Promotion HELOC introductory rate: 3.99% APR for 6 months [Verify — post-intro and profile conditions incomplete]. Up to 80% CLTV; post-intro range 4.00%–18.00%. [Verify] — no end date posted; labeled limited-time on institution site. - **Monterra Auto Refinance 4.75% Plus Cash Back** — [Source]() — Published 2026-08-15 Tag: Auto Promotion Auto refinance at 4.75% APR (as low as) [Confirmed] plus 1% cash back capped at $250. Limited-time reprice. Excludes existing Monterra loans and loans held by Monterra within prior 60 days. [New] — through 2026-09-30; 46 calendar days remaining. - **Monterra Balance Transfer 1.99% Fee Waived** — [Source]() — Published 2026-08-15 Tag: Balance Transfer Balance transfer introductory rate: 1.99% APR for 12 months [Confirmed]. Standard 3% transfer fee waived during window; subject to credit approval. [New] — application window 2026-07-01 through 2026-10-31; 77 calendar days remaining. ### Promotion Intelligence Cards - [Competitor Promotions This Week]() — By [Lorraine Stahl]() · Published 2026-08-15 · Format: Competitor Promotions This Week Nine promotion cards this issue, all [New], collected 2026-08-15. Five are loan-side offers entering this section for the first time: Monterra's 1.99% APR balance-transfer rate (941bps gap, transfer fee waived), a Monterra auto-refinance campaign (49–99bps gap plus cash back up to $250), and three HELOC introductory rates across the Bay Area and Treasure Valley markets. Four certificate promotions previously tracked in Deposit Rates move here with full card structure and computed gaps. ### HELOC Rate Comparison - [HELOC Intro-Rate Comparison, Bay Area and Treasure Valley]() — By [Lorraine Stahl]() · Published 2026-08-15 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. ### Certificate Lifecycle Update - [Certificate Promotion Status Update, Week of 2026-08-15]() — By [Lorraine Stahl]() · Published 2026-08-15 Provident's [Pick-A-Term](https://providentcu.org/products/savings-accounts/certificates/pickaterm) is the only prior-issue promotion showing a rate change. Short terms (3- and 6-month) moved to 3.75% APY from 3.50% APY (+25 bps). The 12-month moved to 3.50% APY from 3.30% APY (+20 bps). A 9-month term at 3.50% APY now appears on the page. No effective date is posted. The URL used in the prior issue returned a network error at collection, preventing direct comparison of page content. Status: [Verify]. ## Other sections in Issue 1 - [Deposit Rates]() - [Loan Rates]() - [Rate Movement]() ## More - [Publication guide]() - [Issue archive]()