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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 9th largest credit union in the nation. It was established in 1970 and as of June of 2016, it had grown to 1,193 employees and 444,520 members at 40 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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First Tech CU

My experiences have been great with First Tech. I've done 2 auto loans and a personal loan with them. The loan process was very easy and with very competitive rates. Feels like a neighborhood bank. It is easy to make online payments, and they have an app that let's me check balances easily online. I would definitely recommend them.

No Problems.

I have been a member a couple of years. The credit union is the result of a combination of the original Textronic Credit Union and The HP employees. They both have had name changes in between. I find their customer service to be friendly and they look for ways to solve problems. They offer a high rate checking account but you have to meet a lot of requirements to earn it. I only use them as a secondary savings as their savings rates are ok but not the best. I have never borrowed from them. I gave them a 3 because nothing really stands out about them.

First Technology Is Okay

Posted by: Alskar | Sep 21, 2010

I've been a member of First Technology CU since June of 1987, when it was the credit union for Tektronix.  Back then it was a small, friendly credit union that really strived for excellent customer service.  Over the years, I've had a number of car loans and HELOC loans through First Technology. For years, I was content to do all of my backing with First Technology.

I first noticed customer service slipping when First Technology became the credit union for Microsoft.  At that time, they made it difficult to use any other financial planning software other than MS Money.  They eventually relented and went back to supporting Quicken.

About 5 years ago, I noticed that the tellers and phone support people picked up an attitude.  After way too many encounters with surly phone support folks, I moved my checking and savings accounts to Advantis CU, which is more like what First Technology was 20 years ago.

First Technology is in negotiations with the banking regulators to merge with Addison Avenue CU (HP's old CU).  It remains to be seen if the regulators will allow First Technology and Addison Avenue to merge.  If approved, the merged entity will be called First Technology, but the headquarters will be in Palo Alto, CA instead of Beaverton, OR.  So I guess the HP versus Tektronix war is over and HP won.  Long live Tektronix!

My employer prefers HSA accounts at First Technology, so I am still a member, but I can't honestly recommend First Technology.  Their savings rates, and customer service are below average.  Their website is one of the best around.

First Tech Is The Worst Financial Institution I've Ever Experienced!

Posted by: zgirl | Jul 18, 2016

I usually don't write reviews but today I feel like I have to write one. First Tech is the worst financial institution I've ever been dealing with! Recently, I have deposited 2 money orders. One about a month ago, the other one just 3 days ago. The first money order went through via mobile deposit. "Your mobile deposit was successful" said their mobile site. 3 days later the money order was rejected and I received an email to re-deposit and money order amount was removed. I had a bill pay pending. I had to run to the ATM to re-deposit the money order. 4 days later the money order was rejected due to a "poor image". I didn't even receive a phone call nor email that the available funds were removed. I've decided to close my account after this experience but the bank teller said "give us one more chance". 5 days later I've had the same problem with another ATM deposit. Waiting for the check to receive via USPS, re-deposit and close my checking account.

First Tech is the worst financial institution, the available funds are not really available, their website never works, when you try to call their customer service you spend an incredibly long time on hold. Today, when I tried to reach the customer support the voice message said "the wait time is longer than usual, there are 49 callers in front of you". WOW!

I wish I could give them negative stars. Shame on you, First Tech!



Health Grade Components

NCUA #19976
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD11.16%
Annual Interest Income$140.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$9.11B$7.95B
LoansQ2 2016vs Q2 2015$6.57B$5.41B
DepositsQ2 2016vs Q2 2015$6.59B$5.61B
Equity CapitalQ2 2016vs Q2 2015$939.8MM$821.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$28.3MM$21.7MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$18.0MM$18.1MM
Real Estate OwnedQ2 2016vs Q2 2015$850.00K$1.3MM
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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
0.80%$500-24 Month CD
0.75%$500-Business 36 Month CD
0.45%$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
0.80%$500-24 Month IRA
0.45%$500-12 Month IRA
0.35%$500-13 Month Bump Up IRA
0.30%$500-6 Month IRA

First Technology Federal Credit Union has 40 locations. Click to view all First Technology Federal Credit Union locations.