NOTICE: The San Francisco branch is temporarily closed due to the shelter in place guidelines. The following branches are open: Campbell, Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa and Sunnyvale. Our branch ATMs remain operational, with the exception that we may need to temporarily restrict access to select ATMs due to local conditions. Click here for branch locations and hours.

  • Adjustable Rate Mortgages

    An Adjustable Rate Mortgage (ARM) is a 30-year mortgage that usually has a short-term fixed rate period at the beginning of the loan (your rate and payment amount remain fixed during the first few years of the loan). After the initial fixed rate period is over, (3 to 10 years) the rate can adjust annually. We offer ARMs on amounts up to $8 Million.

    Plus, we do not charge lending fees.*

    Click here for our current loan program options or contact one of our Mortgage Consultants for more details.


    • Lower monthly payments in the initial years of your mortgage.
    • If you anticipate your income increasing in the future, or if you plan on staying in your home for seven years or less, an Adjustable Rate Mortgage (ARM) may be a great option.
    • Quick-Close Guarantee: If we don't close your purchase loan in 10 business days , you'll receive a $500 gift card!**
    • Up to 90% loan-to-loan value - maximum $1 million dollars with mortgage insurance.


  • Adjustable Rate Mortgages
    3 Year Jumbo Adjustable Rate2.875%2.880%0.000%
    5 Year Jumbo Adjustable Rate3.000%3.005%0.000%
    7 Year Jumbo Adjustable Rate3.125%3.130%0.000%
    10 Year Jumbo Adjustable Rate3.250%3.255%0.000%
    Loans available for California 1 -4-unit primary residences only. Rates and terms are subject to change without notice. Additional terms and conditions apply. All loans require Tech CU membership, credit approval, and you must meet security requirements. View mortgage payment examples.
  • Apply Now     Check All Rates



    • Learn about homebuying – Articles that will provide you with tips to help make the home buying process easier.
    • Mortgage Tools & Calculators - Compare mortgage options with easy-to-use tools and calculators.
    • HomeAdvantage® - A free service that helps you find your next home. Helping you with the research, connecting you with experts in the field and saving you money when you need it most when you sign up for HomeAdvantage Cash Rewards.  

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We look forward to chatting with you.

(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

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We’re here to serve your needs in person at our San Jose Headquarters. Visit us at 2010 N. First Street, San Jose, CA 95131.
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