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First Technology Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
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
855-855-8805
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 7th largest credit union in the nation. It was established in 1970 and as of June of 2017, it had grown to 1,401 employees and 488,067 members at 41 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.
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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.

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.

Absolutely Horrendous

Posted by: jma | Sep 11, 2017

Please be advised that this CU uses 3rd party call centers. When calls are heavy they are migrated over to useless call centers. Should you run into any issues, processing questions, fraud investigations, etc where you need detailed information and dialogue, you will find the call center robots A- do not care and B- do not have the mental capacity to process your information, C- are only concerned with pre-scripted polite speak and D-will tell you a CU rep will call you back, which never happens. If this had happened once I wouldn't be so discouraged, but this call migration happens frequently and after 10 years of being a member I have left because of this alone. It is bottom of the barrel customer service.

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Health

Health Grade Components

Overall
NCUA #19976
Year Chartered1970
Employees1401
Primary Regulator
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD9.43%
Annual Interest Income$162.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$10.56B$9.11B
LoansQ2 2017vs Q2 2016$7.61B$6.57B
DepositsQ2 2017vs Q2 2016$7.47B$6.59B
Equity CapitalQ2 2017vs Q2 2016$1.04B$939.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$36.0MM$28.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$22.3MM$18.0MM
Real Estate OwnedQ2 2017vs Q2 2016$243.00K$850.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--HSA Checking
0.50%*$250k*-Instant Access Savings
OTHER TIERS: 0.05% Up to $2,500 | 0.20% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $100k | 0.40% $100k - $250k
0.50%*$250k*-Instant Access IRA
OTHER TIERS: 0.05% Up to $2,500 | 0.20% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $100k | 0.40% $100k - $250k
0.50%*$250k*-Instant Access Roth IRA
OTHER TIERS: 0.05% Up to $2,500 | 0.20% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $100k | 0.40% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-60 Month CD
1.55%$500-Business 60 Month CD
1.35%$500-36 Month CD
1.05%$500-24 Month CD
0.75%$500-12 Month CD
0.75%$500-Business 36 Month CD
0.65%$500-13 Month Bump Up CD
0.45%$500-6 Month CD
0.40%$500-Business 24 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-60 Month IRA
1.35%$500-36 Month IRA
1.05%$500-24 Month IRA
0.75%$500-12 Month IRA
0.65%$500-13 Month Bump Up IRA
0.45%$500-6 Month IRA
Locations

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