Great Online Experience. Great Rates. OK Customer Service. Occasional **** Up.

I have been a member for 20+ years and I have been satisfied with First Tech Federal Credit Union and think it is the best choice of banking institution in my area.  During the recent Bank Transfer Day I looked at other credit unions in the area and the rates at First Tech beat them.  Their credit card rewards program is better.  Their online experience is good and evolving although system upgrades can be painful with residual issues that are eventually fixed.  Their dividend rewards checking giving 2.55% yield on $10K (as of 6/6/2012) is better than other local banks.  There are no unreasonable fees.  You don't feel you are being nickel and dimed.  I think customer service could be more knowledgeable sometimes but I rarely contact them and the online experience is what matters to me.  I appreciate that First Tech is a non-profit and I feel they intend to to create a good banking experience for me and don't look at my relationship as a way to harvest profits or trap me into fees.  I occasionally benchmark against other banks and credit unions but I've always stayed with First Tech.  Anyone can actually get an account by becoming a member of the Financial Fitness Association.  It's a $5 fee that First Tech will pay for you for the first year and then you can just let it expire.  Nice loophole.