They have only been around for 60 years, but they have made a lot of progress in those 60 years. If you are looking to build or rebuild your credit, then the Platinum Secured Mastercard® from First Tech Federal Credit Union may be the right fit. Tony Armstrong is a banking editor at NerdWallet. Plus the credit union’s minimum deposit requirement is higher than that of some of our favorite share certificate and certificate of deposit providers. Highly recommend for someone trying to improve their score. Thankfully, there are … Review Highlights. Fax Numbers (888) 505-1740. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. The services offered are very helpful as well as product. “First Tech is the best; they have awesome customer service, don't put holds on checks, reimburse you for ATM fees, and handle any issue you have right away.”in 2 reviews. First Tech offers several other checking accounts, including a basic option called Carefree Checking and an HSA Checking option, for people who want an easy way to pay for medical expenses. Oregon-based First Tech Federal Credit Union was founded in 1952 by technology execs. I produced a whole 2020 YTD proof of income with bank statements. Company Overview FAQ. 41 reviews of First Tech Federal Credit Union "I discovered first tech through some friends at Microsoft and later was actually eligible to join. It took two days for a response. Great business to associate with, the customer service is above reproach. It had been well maintained by the owner, and I had already confirmed all the maintenance records independently, as well as verified the mileage with the dealer that serviced the car. Can I move my car to the States. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. The most straightforward ways to apply to become a member are to work for the state of Oregon or a qualifying high-tech or telecom company, or to be related to a First Tech member. First Tech’s certificates have rates higher than national averages but aren't competitive with online banks. But you can also apply to join First Tech if you're a member of a nonprofit called Financial Fitness Association, which costs $8. First Tech Federal Credit Union Mortgages, First Tech Federal Credit Union Credit Cards, First Tech Federal Credit Union Car Loans, Get unlimited free credit scores & reports. Pre-qualified offers are not binding. Our membershp includes employees of the world's most progressive technology companies such as Microsoft, HP, Agilent Technologies, Amazon, CH2M HILL and many more. Bottom line First Tech Federal Credit Union has some positive features, such as the extensive loan terms and the ability to pay off your lenders directly. First Tech’s mobile apps receive decent to high reviews, with the Android version receiving 4.4 out of 5 stars, and the iOS version receiving 4.7 out of 5 stars. Has great perks and customer care is amazing ! The response was that I was approved for a third of the amount and almost triple the interest rate of the offer. Overview Overview. It will be 4% when you pre-qualify for refinancing, even though I'm 750+ score with no cash-out refinancing. My ratio of debt to credit card limits is 26%. Here is a list of our partners. +19 users submitted a rating without writing a full review, You can request a First Tech Union Platinum credit limit increase by submitting an application. Join a credit union. 277 Reviews. The credit union’s lengthy repayment terms and minimal fees mean you could score a low monthly payment, too, making it … What a scam. I own my own home and all my rental properties out right. Very quick and detailed responses to queries even over email. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. They provide some second load which sucks. Information on this page is provided 'as is' and solely for informational purposes, not for any other purpose or advice. Qualifications per monthly cycle are 12 debit card purchases, one direct deposit or ACH withdrawal and receipt of electronic statements. A free inside look at company reviews and salaries posted anonymously by employees. I'd give First Tech five stars except that they don't have a single branch in Seattle. They quit showing the refinance rate for the mortgage. I will NEVER give them my business in the future!!! If you don’t qualify for membership, this isn’t the right option for you. First Tech Federal Credit Union Personal Line of Credit Review. First Tech Federal Credit Union Review: Checking, Savings and CDs First Tech has good checking options and offers good access to ATMs and branches. Our values aren't password protected, and there are no shortcuts to developing great relationships. The scoring formulas take into account multiple data points for each financial product and service. Qualifying transactions must post to the account prior to the last day of the month. 25 reviews of First Tech Federal Credit Union "Wonderful service. Members can contact the credit union in person, by phone and Facebook or Twitter. Hiring Surge. Debit card purchases can take up to 3 days to post and are dependent on merchant processing times. First Tech Credit Union; Read More. This was stated to me over a month after my initial application was filed!! Our opinions are our own. Yet I could read every letter and every number on the returns . NerdWallet's ratings are determined by our editorial team. I called them at least a dozen times to get information. The dividend rate and the corresponding annual percentage yield (APY) on your account will be determined by whether or not account qualifications have been met per monthly cycle. First Tech Credit Union - Read unbiased reviews of First Tech Credit Union, rated 2.3 out of 5 stars by 48 users Company Overview FAQ. First Tech Federal Credit Union is the nation's premiere credit union serving the technology industry. To review First Tech Federal Credit Union, NerdWallet collected more than 30 data points from the lender, interviewed company executives and compared the … In addition, this information does not originate from us and thus, we do not guarantee its accuracy. There isn't a gadget that substitutes for personal attention. How do I get a First Tech Union Platinum credit limit increase? Reviews from First Tech Credit Union employees about First Tech Credit Union culture, salaries, benefits, work-life balance, management, job security, and more. 199 Ratings. All financial products, shopping products and services are presented without warranty. Jobs; Companies; Salaries; Interviews; Search. 1.25%The dividend rate and the corresponding annual percentage yield (APY) on your account will be determined by whether or not account qualifications have been met per monthly cycle. DO NOT WORK WITH THIS CREDIT UNION. NerdWallet strives to keep its information accurate and up to date. You’ll have to open a Membership Savings account before you can open any other account, which requires a minimum balance of $5 but has no monthly maintenance fee and an APY of. First Tech Credit Union - Read unbiased reviews of First Tech Credit Union. Pros. " Expert review. All financial products, shopping products and services are presented without warranty. Companies. You can use the filters to find the most suitable account for you. 263 First Tech Federal Credit Union reviews. The credit union’s overdraft policy could be better. I was then told that it would have to be proven for the last 6 months! Read employee reviews and ratings on Glassdoor to decide if First Tech Federal Credit Union is right for you. Their account options are great, they have a ton of services for little to no cost (including a couple free money orders a month) and their savings account interest rates are among the best I have found. Credit Cards. What's the starting credit limit for the First Tech Federal Credit Union Platinum Secured card? Great card, payment is applied emdiedatly if paid online with external payment & once received by mail. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. A Brief History of First Tech Federal Credit Union As a company, First Tech was established in 1952 as the Tektronix Federal Credit Union. First Tech has good checking options and offers good access to ATMs and branches. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. You can find a list of other Money Market Accounts here: https://wallethub.com/savings-account/#iam=gc&at=mm&srt=ftr&insttype=bank. You’ll need to open a Membership Savings account before you can open any other accounts. Engaged Employer. First Tech Credit Union's Platinum card also reports your financial activity to the major credit bureaus TransUnion, Experian and Equifax on a monthly basis. So how do we make money? Then their house program assigned an arbitrary number for the mileage on the car--at no point did it ask for the mileage or any of the other standard indicators for valuation of the car. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Furthermore, there … Upper management pushed changes to quickly before letting previous ones even settle in " (in 15 reviews) This is a fraudulent practice by this CU to gain a negotiating advantage. Hiring Surge. Additional Contact Information.   Although First Tech has multiple loan options, this review will focus on the unsecured personal loan option. All this with a nice personal touch." 30 reviews of First Tech Federal Credit Union "I didn't really want to copy and paste my review from their Portland branch, but it's really the exact same experience. John Long. They asked for the VIN number, but never asked for anything else. Hiring Surge. I E mailed them proof of income like they requested via my E mail. When I called to ask for more details in the letter I received declining the loan -- specifically asking for the original value assessment of the vehicle, they said that they could not do this. Upper management pushed changes to quickly before letting previous ones even settle in " (in 15 reviews) I'm going to move to USA from Puerto Rico. Transfers on the latter are also free, with interest rates starting at 12.99%. Will the First Tech Credit Union Platinum credit card help me build credit? First Tech Federal Credit Union members can get a personal loan with decent interest rates, and even borrowers with less-than-perfect credit can qualify. Though you won’t make much interest with the Carefree Savings account, a minimum opening balance of 1 cent and no monthly fee mean you won’t have to worry about how much money you keep in the account. Time to change my CU to others. You know, that mega-bank that received hundreds of billions of taxpayer dollars and gives giant, undeserved bonuses to their useless executives? My payment history on the bureau is marked as exceptional payment history with no lates ever. We believe everyone should be able to make financial decisions with confidence. This deposit will also serve as your credit limit, not allowing you to spend more than you can actually afford. Account opening was a breeze. You can't close the account even it is paid off and it will charge you 100 dollars for each year. First Tech has assets of $6.2 billion and is headquartered in Mountain View, CA. Read more. Your web browser (Internet Explorer) is out of date and no longer supported. I currently have a car loan with you. The response also stated that I needed to verify income by producing a last 30 days bank statement to prove all stated income. Great Credit union with great auto financing & credit card & payment is applied immediately if paid online & once received by mail. We’re normally a bit annoyed at these … They assigned an arbitrarily high mileage number for the car, giving it over 100,000 miles and thus reducing their valuation of the vehicle by 40%. WORST EXPERIENCE. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Find out if you are eligible to join First Tech Federal Credit Union. Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Search Credit Cards. It’s a flexible, competitive loan with stand-out … Our partners cannot pay us to guarantee favorable reviews of their products or services. Company Overview FAQ. You’ll owe $28 every time you overdraw your account. Jobs; Companies; Salaries; Interviews; Search. Please download one of these up-to-date, free and excellent browsers: WORST EXPERIENCE. Although First Tech is headquartered in California, anyone can apply for membership. However, this does not influence our evaluations. Whenever you want to increase your credit limit, you can submit a request online for another payment which will be added to your existing security deposit. Tony Armstrong November … How First Tech Federal Credit Union’s checking accounts compare. First Tech has specialized in serving tech companies and their employees for over 60 years. I applied for a used car loan. The stars represent ratings from poor (one star) to excellent (five stars). You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). Our review of First Tech Federal Credit Union personal loans looks at the borrowing amounts, fees, interest rates, repayment terms and membership … Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. Qualifying transactions must post to the account prior to the last day of the month. Do you offer Money Market Deposit Accounts and if so, what is the rate of interest? The purchase mortgage rate says 2%. First Tech’s website is fairly easy to use, and it mostly presents information in a clear and straightforward way. Companies. First Tech Federal Credit Union Personal Line of Credit is offered by First Technology Federal Credit Union, a credit union founded in 2012 and based in Cupertino, CA. Engaged Employer. It's our secret weapon that turns… They treat every single person who walks through their doors like a real person, and this philosophy is spread throughout every location I've ever visited. 274 Reviews. You’ll have to open a Membership Savings account before you can open any other account, which requires a minimum balance of $5 but has no monthly maintenance fee and an APY of 0.05%. According to reviews on both the Google store and Apple store, the First Tech Federal Credit Union's app consistently rates around a 4.7 out of five stars. Data provided by you on your application for employment with First Tech Federal Credit Union will be used within First Tech Federal Credit Union to determine your eligibility for employment. The bottom line: First Tech offers a great checking account with no monthly fees and a top interest rate of 1.25%, provided you meet certain criteria. 22 reviews of First Tech Federal Credit Union "Tired of getting jacked with outrageous fees by your for-profit corporate bank? First Tech really does care about their customers. Unfortunately, First Technology Federal Credit Union does not offer Money Market accounts. Easy to manage work life balance for a family with young children " (in 30 reviews) " There are nothing but great benefits of working at First Tech " (in 23 reviews) Cons. " Pre-qualified offers are not binding. NOBODY ever called me back. Most credit unions don’t provide this type of option. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. The credit union does, however, offer free overdraft transfers from a linked First Tech savings account, and you can use a personal line of credit for overdraft protection. Please do not join this credit union! 265 First Tech Federal Credit Union reviews. Loans. Unfortunately, though, the vast majority of people won’t be able to join the union as members, let alone apply for a loan. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. American Express® High Yield Savings Account, Marcus by Goldman Sachs Online Savings Account, 0.60%0.60% APY (annual percentage yield) as of 9/17/2020, 0.50%0.50% APY (annual percentage yield) as of 11/17/2020. I then received another request that they needed 2 years tax returns, and I provided, I then received an email saying they were blurry. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Our partners compensate us. Debit card purchases can take up to 3 days to post and are dependent on merchant processing times. Specialties: Unlike banks, we exist to serve our members, not to make a profit. View All num of num Close (Esc) First Tech Federal Credit Union. Qualifications per monthly cycle are 12 debit card purchases, one direct deposit or ACH withdrawal and receipt of electronic statements. “The team is friendly, knowledgeable and has been really helpful in finding solutionsto my business needs.”in 2 reviews. Best card for high limit and 0% balance transfer. First Tech Federal Credit Union Reviews. It's a secured card which requires a refundable security deposit upon account opening. First Tech Federal Credit Union’s personal loan is an attractive option if your credit score is less than perfect and you’re looking to borrow a smaller amount. First Tech Federal Credit Union Personal Line of Credit is available in 4 states across the USA. Though you won’t make much interest with the Carefree Savings account, a minimum opening balance of 1 cent and no monthly fee mean you won’t have to worry about how much money you keep in the account. You will have to make a security deposit for this amount, which will be refunded to you upon closing your account. They'll raise your credit limit in over time with good standing from my experience. A free inside look at company reviews and salaries posted anonymously by employees. In all that time, there's what we know for sure. What’s my point? Pros. " They'll raise your credit limit over time with good standing from my experience. 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