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.
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
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.
