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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 8th largest credit union in the nation. It was established in 1970 and as of March of 2017, it had grown to 1,329 employees and 477,296 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.
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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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.

Great credit union!

Very happy with my relationship with this credit union. Customer service wise, I like the, because I know I can call, not be on hold for very long and speak to an actual human being. Sounds like a small thing, but when you have a problem or a question, this is very important. Only con, is that they have sparse sites. I think they have sister sites and relationships with other credit unions around the US, so in the event you are like me and live in a state outside of their sites, getting things like cashiers checks, etc can be difficult. Since they are smaller, I think some technology things are on the smaller scale, like their app, but its easy enough to use, just not a lot of bells and whistels, but their app can transfer, check accounts and more important for me - Check Deposits!



Health Grade Components

NCUA #19976
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD10.26%
Annual Interest Income$77.6MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$9.81B$8.71B
LoansQ1 2017vs Q1 2016$7.17B$6.37B
DepositsQ1 2017vs Q1 2016$7.48B$6.47B
Equity CapitalQ1 2017vs Q1 2016$1.01B$896.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$32.1MM$27.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$17.0MM$14.4MM
Real Estate OwnedQ1 2017vs Q1 2016$299.00K$850.00K
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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
1.05%$500-24 Month CD
0.75%$500-Business 36 Month CD
0.60%$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
1.05%$500-24 Month IRA
0.60%$500-12 Month IRA
0.35%$500-13 Month Bump Up IRA
0.30%$500-6 Month IRA

First Technology Federal Credit Union has 41 locations. Click to view all First Technology Federal Credit Union locations.