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First Technology Federal Credit Union

Popular Accounts at this Credit Union

1.35%3-year CD36 Month CD
1.58%Reward CheckingDividend Rewards Checking
1.35%3-year IRA36 Month IRA (Traditional, Roth, CESA)

Overview / Commentary
1335 Terra Bella Ave
Mountain View, CA 94043-1835

First Technology Federal Credit Union is headquartered in Mountain View and is the 3rd largest credit union in the state of California. It is also the 9th largest credit union in the nation. It was established in 1970 and as of September of 2016, it had grown to 1,220 employees and 457,100 members at 40 locations. First Technology Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in First Technology Federal Credit Union is open to members of the Financial Fitness Association (join for $8 yearly fee) or the Computer History Museum ($15 yearly fee). Membership is also open to those who live and work in Lane County in Oregon and for those who work for a high tech or telecom company, or the state of Oregon.
See current membership details

Related Posts

First Tech FCU (Easy Membership) Brings Back Depositivity Bonus - 10/7/2016

First Tech FCU's Depositivity Bonus Program can earn up to an additional $1.5k on any First Tech CD, checking, or savings account. Available through November 30, 2016.

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Great Service

Posted by: 2weety | Jan 22, 2017

I have been with 1st Tech for about 10 years- I use the S. Lake Union branch in Seattle. They are as close to family as it gets. Service is excellent! Saving rates are competitive.

No Problems.

I have been a member a couple of years. The credit union is the result of a combination of the original Textronic Credit Union and The HP employees. They both have had name changes in between. I find their customer service to be friendly and they look for ways to solve problems. They offer a high rate checking account but you have to meet a lot of requirements to earn it. I only use them as a secondary savings as their savings rates are ok but not the best. I have never borrowed from them. I gave them a 3 because nothing really stands out about them.

First Technology Is Okay

Posted by: Alskar | Sep 21, 2010

I've been a member of First Technology CU since June of 1987, when it was the credit union for Tektronix.  Back then it was a small, friendly credit union that really strived for excellent customer service.  Over the years, I've had a number of car loans and HELOC loans through First Technology. For years, I was content to do all of my backing with First Technology.

I first noticed customer service slipping when First Technology became the credit union for Microsoft.  At that time, they made it difficult to use any other financial planning software other than MS Money.  They eventually relented and went back to supporting Quicken.

About 5 years ago, I noticed that the tellers and phone support people picked up an attitude.  After way too many encounters with surly phone support folks, I moved my checking and savings accounts to Advantis CU, which is more like what First Technology was 20 years ago.

First Technology is in negotiations with the banking regulators to merge with Addison Avenue CU (HP's old CU).  It remains to be seen if the regulators will allow First Technology and Addison Avenue to merge.  If approved, the merged entity will be called First Technology, but the headquarters will be in Palo Alto, CA instead of Beaverton, OR.  So I guess the HP versus Tektronix war is over and HP won.  Long live Tektronix!

My employer prefers HSA accounts at First Technology, so I am still a member, but I can't honestly recommend First Technology.  Their savings rates, and customer service are below average.  Their website is one of the best around.

Worst Banking Facility

I've closed this account last year August 2016. Cause my late wife pass away in 2014 June now the account we had was secured credit card with a $500.00 secured deposit. They been bugging me for my secured deposit and late charges $500.00 + $150.00 = $650.00 for a cash advance I never requested. Don't use them cause they are very bad about notes added to your account in person, call center, or any other way and so you don't repeat yourself. Record your conversation with them, take lots of notes too and keep emails/whatever information you have. They don't even communicate with each other's or departments so how can you trust what they are doing with your money. Now, today 2/18/2017 it's about me paying back for late chargers and a cash advance I never requested or wanted. Please do yourself a favor and seek another banking facility or you will suffer the down fall like many others.. Really first tech you don't even have guidelines for closing out accounts and secure credit card wow so what the customers are paying for your mistakes.



Health Grade Components

NCUA #19976
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD11.53%
Annual Interest Income$213.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$9.29B$8.34B
LoansQ3 2016vs Q3 2015$6.80B$5.84B
DepositsQ3 2016vs Q3 2015$7.09B$5.89B
Equity CapitalQ3 2016vs Q3 2015$971.2MM$844.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$30.3MM$24.4MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$21.1MM$18.1MM
Real Estate OwnedQ3 2016vs Q3 2015$328.00K$995.00K
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First Technology Federal Credit Union Savings Account Rates

1.00%--HSA Checking
0.35%*$250k*-Instant Access Savings
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $10k | 0.23% $10k - $25k | 0.25% $25k - $100k | 0.33% $100k - $250k
0.35%*$250k*-Instant Access IRA
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $10k | 0.23% $10k - $25k | 0.25% $25k - $100k | 0.33% $100k - $250k
0.35%*$250k*-Instant Access Roth IRA
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $10k | 0.23% $10k - $25k | 0.25% $25k - $100k | 0.33% $100k - $250k
0.20%*$250k*-Business Instant Access
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k | 0.15% $100k - $250k
0.10%--Carefree Savings
0.05%--Membership Savings
0.05%--IRA Savings
0.05%--Roth IRA Savings
0.05%--Business Membership Savings
0.05%--Simple Business Savings

First Technology Federal Credit Union Checking Account Rates

1.58%*-$10kDividend Rewards Checking
OTHER TIERS: 0.16% $10k+
0.10%*$50k*-Business Dividend Checking
OTHER TIERS: 0.05% Up to $50k
0.05%--First Checking Plus

First Technology Federal Credit Union CD Rates

1.75%$500-60 Month CD
1.55%$500-Business 60 Month CD
1.35%$500-36 Month CD
0.80%$500-24 Month CD
0.75%$500-Business 36 Month CD
0.45%$500-12 Month CD
0.40%$500-Business 24 Month CD
0.35%$500-13 Month Bump Up CD
0.30%$500-6 Month CD
0.30%$500-Business 12 Month CD
0.20%$500-Business 6 Month CD
0.20%$500-Business 13 Month Bump Up CD

First Technology Federal Credit Union IRA Rates

1.75%$500-60 Month IRA
1.35%$500-36 Month IRA
0.80%$500-24 Month IRA
0.45%$500-12 Month IRA
0.35%$500-13 Month Bump Up IRA
0.30%$500-6 Month IRA

First Technology Federal Credit Union has 40 locations. Click to view all First Technology Federal Credit Union locations.