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 3rd largest credit union in the state of California. It is also the 8th largest credit union in the nation. It was established in 1970 and as of March of 2021, it had grown to 1,579 employees and 630,286 members at 32 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

Good Local CU

Posted by: |

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.

This Is Not A Bank It Is A Factory Of Scams

Posted by: |

honestly this is the worst company i have ever seen.
they are liars, deceivers and scammers, I had a bad experience with this crap.
be careful don't open up here, they lie



Health Grade Components

NCUA #19976
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD1.53%
Return on Equity - YTD13.74%
Annual Interest Income$113.4MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$14.11B$13.87B
LoansQ1 2021vs Q1 2020$8.61B$9.01B
DepositsQ1 2021vs Q1 2020$11.15B$9.83B
Equity CapitalQ1 2021vs Q1 2020$1.56B$3.75B
Loan Loss AllowanceQ1 2021vs Q1 2020$65.8MM$62.4MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$20.6MM$25.8MM
Real Estate OwnedQ1 2021vs Q1 2020$0$393.00K
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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
0.15%*$250k*-Instant Access Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $250k
0.15%*$250k*-Instant Access IRA
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $250k
0.15%*$250k*-Instant Access Roth IRA
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $250k
0.15%*$250k*-Instant Access CESA
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $250k
0.15%*$250k*-Business Instant Access
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $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

1.00%-$10kDividend 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

0.55%$50k-60 Month Jumbo CD
0.50%$500-60 Month CD
0.50%$500-Business 60 Month CD
0.45%$50k-36 Month Jumbo CD
0.40%$500-36 Month CD
0.40%$500-Business 36 Month CD
0.40%$50k-24 Month Jumbo CD
0.40%$50k-36 Month Jumbo Bump Up CD
0.35%$500-24 Month CD
0.35%$500-36 Month Bump Up CD
0.35%$50k-24 Month Jumbo Bump Up CD
0.35%$500-Business 24 Month CD
0.30%$50k-12 Month Jumbo CD
0.30%$500-24 Month Bump Up CD
0.25%$500-12 Month CD
0.25%$500-Business 12 Month CD
0.25%$50k-13 Month Jumbo Bump Up CD
0.20%$500-13 Month Bump Up CD
0.20%$500-Business 13 Month Bump Up CD
0.20%$50k-6 Month Jumbo CD
0.15%$500-6 Month CD
0.15%$500-Business 6 Month CD

First Technology Federal Credit Union IRA Rates

0.55%$50k-60 Month Jumbo IRA
0.50%$500-60 Month IRA
0.45%$50k-36 Month Jumbo IRA
0.40%$500-36 Month IRA
0.40%$50k-24 Month Jumbo IRA
0.35%$500-24 Month IRA
0.30%$50k-12 Month Jumbo IRA
0.25%$500-12 Month IRA
0.25%$50k-13 Month Jumbo Bump Up IRA
0.20%$500-13 Month Bump Up IRA
0.20%$50k-6 Month Jumbo IRA
0.15%$500-6 Month IRA


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