First Technology Federal Credit Union

Overview / Commentary
2702 Orchard Pkwy
San Jose, CA 95134

First Technology Federal Credit Union is headquartered in San Jose and is the 2nd largest credit union in the state of California. It is also the 6th largest credit union in the nation. It was established in 1970 and as of September of 2019, it had grown to 1,532 employees and 598,346 members at 45 locations. First Technology Federal Credit Union's CD rates are 2X the national average, and it 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.
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Offers good reward checking and customer service has exceeded my expectations

I've been a member of First Tech FCU for 5 years now. They offer a Rewards Checking account where if you make 12 debit card transactions and have 1 ACH deposit/withdraw in a month they will give you a great competitive rate in cash back. I earn about $15/month this way. My favorite thing about First Tech is their customer service. They went above and beyond for me when a few months back only 11 debit card transactions cleared in one month. I called them and they ended up giving me the reward for the month anyway because I was a good customer. Their browser interface is really great and makes it really easy to transfer money between different accounts. The one downside is their eCheck deposit service on the mobile app. Sometimes the mobile application won't read the picture of the check and the check gets rejected. This has happened a few times; recently, I noticed that they changed their eCheck mobile deposit part of their app and are using a new program. I used it once with no problem, hopefully that fixes it!

Excellent Credit Union

Posted by: darkbrew | Jul 24, 2017

We moved our accounts to First Tech a little over a year ago to receive true Chip and Pin cards (as opposed to the US default of Chip and Signature) because of international travel. Since moving we cannot be more pleased with First Tech. We receive excellent customer service, and we never question the security of our accounts. There isn't even a local branch available in our state, but with the availability of Shared Branching COOP we don't even notice. ATM fees are refunded and the mobile app handles most everything we need. When we do travel to an area and can transact business in person the service has been nothing but spectacular.

First tech Credit union

First tech is a good, no-fee credit union. They do not require a minimum balance on either the savings or the checking account. The few times that I required help, I received very attentive, timely, and competent aid. As the name of the union implies, the staff there were very tech savvy and easily understood any technological problems I ran into. In fact, I set up the entire banking service online with them, when I was out of the country. The requirement for sign-up, however, was a bit difficult. I had to join a money-management group for a low fee (around 8 dollars) before being allowed into the credit union. I use this credit union as a secondary account, and it linked up easily with by main (Bank of America) account, which receives my automatic deposits.

Excellent Customer Service and Value

I've been a member of this Credit Union for 23 years and still love it. I pay zero fees for my banking and if I ever have to use a different bank's ATM this Credit Union reimburses me for any charges by that bank. That's pretty good! Also, I have interest paying checking. If I meet the requirements of using my ATM, having automatic bill pay and deposits I earn a higher rate. If I don't meet those goals for the month, I still draw interest on my balance. The branch has an office close to me which makes it convenient if I need to go in. I had a garage sale recently so needed lots of change which they happily gave me. I doubt a big bank would have been so accommodating. They've recently rolled out a new version of on-line banking, which is very convenient, but does have some bugs still being worked out. I understand how new software can be buggy, so I'm dealing with that but will be glad when it's finally stable. I'm able to check my balance, deposit checks remotely and send messages with questions about my account, to which I get a quick and friendly reply. I've financed my new car this year through my credit union and got an excellent rate. I'll never go back to a regular bank again.



Health Grade Components

NCUA #19976
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD8.3%
Annual Interest Income$357.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$12.94B$12.27B
LoansQ3 2019vs Q3 2018$9.12B$9.00B
DepositsQ3 2019vs Q3 2018$9.32B$8.56B
Equity CapitalQ3 2019vs Q3 2018$1.32B$1.14B
Loan Loss AllowanceQ3 2019vs Q3 2018$52.3MM$48.3MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$31.4MM$26.3MM
Real Estate OwnedQ3 2019vs Q3 2018$152.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Technology Federal Credit Union Savings Account Rates

5.00%*-$1kStart Up Savings
OTHER TIERS: 0.10% $1k+
1.00%*$250k*-Instant Access Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.50% $2.5k - $25k | 0.75% $25k - $250k
1.00%*$250k*-Instant Access IRA
OTHER TIERS: 0.05% Up to $2.5k | 0.50% $2.5k - $25k | 0.75% $25k - $250k
1.00%*$250k*-Instant Access Roth IRA
OTHER TIERS: 0.05% Up to $2.5k | 0.50% $2.5k - $25k | 0.75% $25k - $250k
1.00%*$250k*-Instant Access CESA
OTHER TIERS: 0.05% Up to $2.5k | 0.50% $2.5k - $25k | 0.75% $25k - $250k
1.00%--HSA Checking
0.80%*$250k*-Business Instant Access
OTHER TIERS: 0.05% Up to $2.5k | 0.25% $2.5k - $25k | 0.55% $25k - $250k
0.10%--Carefree Savings
0.05%--Membership Savings
0.05%--IRA Savings
0.05%--Roth IRA Savings
0.05%--Coverdell Savings
0.05%--Business Membership Savings
0.05%--Simple Business Savings

First Technology Federal Credit Union Checking Account Rates

2.00%-$15kDividend Rewards Checking
0.10%*$50k*-Business Dividend Checking
OTHER TIERS: 0.05% Up to $50k
0.10%--Start Up Checking
0.05%--First Checking Plus

First Technology Federal Credit Union CD Rates

2.30%$50k-60 Month Jumbo CD
2.25%$50k-36 Month Jumbo CD
2.20%$500-60 Month CD
2.20%$500-Business 60 Month CD
2.20%$50k-36 Month Jumbo Bump Up CD
2.15%$500-36 Month CD
2.15%$500-Business 36 Month CD
2.15%$50k-24 Month Jumbo CD
2.10%$500-36 Month Bump Up CD
2.10%$50k-24 Month Jumbo Bump Up CD
2.05%$500-24 Month CD
2.05%$500-Business 24 Month CD
2.00%$50k-12 Month Jumbo CD
2.00%$500-24 Month Bump Up CD
1.95%$50k-13 Month Jumbo Bump Up CD
1.90%$500-12 Month CD
1.90%$500-Business 12 Month CD
1.85%$500-13 Month Bump Up CD
1.85%$500-Business 13 Month Bump Up CD
1.70%$50k-6 Month Jumbo CD
1.60%$500-6 Month CD
1.60%$500-Business 6 Month CD

First Technology Federal Credit Union IRA Rates

2.30%$50k-60 Month Jumbo IRA
2.25%$50k-36 Month Jumbo IRA
2.20%$500-60 Month IRA
2.15%$500-36 Month IRA
2.10%$50k-24 Month Jumbo IRA
2.00%$500-24 Month IRA
2.00%$50k-12 Month Jumbo IRA
1.95%$50k-13 Month Jumbo Bump Up IRA
1.90%$500-12 Month IRA
1.85%$500-13 Month Bump Up IRA
1.70%$50k-6 Month Jumbo IRA
1.60%$500-6 Month IRA


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