Inaugural loan-rate baseline collecting posted auto floors, HELOC margins, and mortgage observations across Bay Area candidates before peer cohort approval.

Deconstructs why Stanford FCU's and Tech CU's posted 60-month used auto APRs cannot be subtracted into a defensible competitive gap.

No standing-rate repricing confirmed this window. One First Tech short-certificate cut pending verification; three promotional launches logged with Tech CU position deltas.

Nine new promotional cards covering loan-side, HELOC, and certificate offers with normalized gaps, conditions, confidence markers, and response windows.

Standing certificate rates collected at six terms across ten candidate institutions in the Bay Area and Treasure Valley, every cell confidence-flagged, with peer cohort and position calculation still pending.