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 December of 2019, it had grown to 1,560 employees and 610,473 members at 45 locations. First Technology Federal Credit Union's savings rates are 44% higher than 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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Good Local CU

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Spouse and I have been with FT since before they merged with Addison. Our teens now have their own membership accounts and use the mobile deposits for summer job checks--no problems.
We collectively have several savings, checking, CD ladders, and credit card accounts with them. I've opened and closed CDs over the phone, and digitally signed the paperwork emailed to me.
I notice the teens don't ever use cash or need ATMs; they pay with debit cards and Zelle transfers. So their move to convenient mobile and digital banking works for our lifestyles.
However, if we ever need the local branch, it's on our route through Redmond so it's convenient. Their tellers and CS agents have always been polite and efficient. Love these guys.

Excellent Credit Union

Posted by: |

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.

Customer Service Lacks Training And Basic Competency

Posted by: |

I had two credit cards, a Line of Credit and a savings account. I will be moving overseas and didn't want a 3% foreign transaction fee on credit card, and 1% on debit card, so I decided to close all the accounts, all of which had zero balances and $ in savings. I could write several paragraphs on the ineptitude of their phone and e-reps, but suffice it say that just to close my accounts, it took a full week and many hours of communications, including with the CEO ([email protected]) and the CFO ([email protected]), both of whom were very reluctant to get involved, let alone take any responsibility, until I filed a complaint with the NCUA ( This is a fairly large credit union, and they should have better training, procedures, communications and systems in place. Instead they operate like the Keystone Cops, one more clueless than the next. BTW, I had my credit cards breached twice over the years, but I gave them the benefit of the doubt. In hindsight, I may have been too forgiving based on their loose controls. Addison Ave Credit Union was absorbed by these turkeys, and soon went downhill fast from there. My advice: AVOID, there are much better credit union options.



Health Grade Components

NCUA #19976
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD7.64%
Annual Interest Income$480.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$13.11B$12.18B
LoansQ4 2019vs Q4 2018$9.16B$8.98B
DepositsQ4 2019vs Q4 2018$9.55B$8.69B
Equity CapitalQ4 2019vs Q4 2018$1.33B$1.17B
Loan Loss AllowanceQ4 2019vs Q4 2018$58.8MM$53.5MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$29.8MM$34.9MM
Real Estate OwnedQ4 2019vs Q4 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%--HSA Checking
0.75%*$250k*-Instant Access Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.25% $2.5k - $25k | 0.50% $25k - $250k
0.75%*$250k*-Instant Access IRA
OTHER TIERS: 0.05% Up to $2.5k | 0.25% $2.5k - $25k | 0.50% $25k - $250k
0.75%*$250k*-Instant Access Roth IRA
OTHER TIERS: 0.05% Up to $2.5k | 0.25% $2.5k - $25k | 0.50% $25k - $250k
0.75%*$250k*-Instant Access CESA
OTHER TIERS: 0.05% Up to $2.5k | 0.25% $2.5k - $25k | 0.50% $25k - $250k
0.75%*$250k*-Business Instant Access
OTHER TIERS: 0.05% Up to $2.5k | 0.25% $2.5k - $25k | 0.50% $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

1.80%-$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

1.00%$50k-60 Month Jumbo CD
0.95%$50k-36 Month Jumbo CD
0.90%$500-60 Month CD
0.90%$500-Business 60 Month CD
0.90%$50k-36 Month Jumbo Bump Up CD
0.85%$500-36 Month CD
0.85%$500-Business 36 Month CD
0.85%$50k-6 Month Jumbo CD
0.85%$50k-12 Month Jumbo CD
0.85%$50k-24 Month Jumbo CD
0.80%$50k-13 Month Jumbo Bump Up CD
0.80%$500-36 Month Bump Up CD
0.80%$50k-24 Month Jumbo Bump Up CD
0.75%$500-6 Month CD
0.75%$500-12 Month CD
0.75%$500-24 Month CD
0.75%$500-Business 6 Month CD
0.75%$500-Business 12 Month CD
0.75%$500-Business 24 Month CD
0.70%$500-13 Month Bump Up CD
0.70%$500-Business 13 Month Bump Up CD
0.70%$500-24 Month Bump Up CD

First Technology Federal Credit Union IRA Rates

1.00%$50k-60 Month Jumbo IRA
0.95%$50k-36 Month Jumbo IRA
0.90%$500-60 Month IRA
0.85%$500-36 Month IRA
0.85%$50k-6 Month Jumbo IRA
0.85%$50k-12 Month Jumbo IRA
0.85%$50k-24 Month Jumbo IRA
0.80%$50k-13 Month Jumbo Bump Up IRA
0.75%$500-6 Month IRA
0.75%$500-12 Month IRA
0.75%$500-24 Month IRA
0.70%$500-13 Month Bump Up IRA


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