First Technology Federal Credit Union


2702 Orchard Pkwy
San Jose, CA 95134
See all branch locations →

Phone 1-855-855-8805

Notable Rates APY Vs.Others
Savings 0.90% 5.50% →
1-Year CD 4.45% 5.50% →
2-Year CD 2.25% 5.00% →
5-Year CD 3.55% 4.61% →
30-Year Mortgage 7.71% 0.00% →
15-Year Mortgage 7.11% 0.00% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

First Technology is an NCUA insured institution located in San Jose, CA. It was founded in 1970 and has approximately $16845.17 millions in assets.

Who can join?

You can join...

If you work for a high tech or telecom sponsor company, for the State of Oregon, or in Lane County, Oregon.

If you live In Lane County Oregon.

If you are an immediate family member of a First Tech member (regardless of where you live), or if you are a member of the Financial Fitness Association.

NCUA Insured Yes / Federally Chartered
Charter Number # # 19976
Date Established 1970
Assets $16,845.17 million
Loans $12,108.98 million
Deposits $11,767.89 million
Capital $1,646.97 million

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.

Deposit Rates - March 2, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Instant Access
0.75% $1 $99,999 Learn More
0.05% $25 - Learn More
0.85% $100,000 $249,999 Learn More
Instant Access
0.90% $250,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
4.50% $500 - Learn More
12 Mo CD
4.45% $500 - Learn More
13 Month Bump Up
3.87% $500 - Learn More
24 Mo CD
2.25% $500 - Learn More
36 Mo CD
2.45% $500 - Learn More
60 Mo CD
3.55% $500 - Learn More

Loan Rates - March 2, 2024

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
5 Year 4.19% 4.19% $462.56
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.



Below are First Technology branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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First Technology Locations

Climate Initiatives

FIRST TECHNOLOGY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

First Technology Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Technology. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Technology U.S. Average
3.98% 5.37

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2023, First Technology had $63,428,851 in non-current loans and $5,688,961 in owned assets. To cover these potential losses it had $1,646,966,882 in net worth and $90,206,805 in loans loss reserves. That gives it a Texas Ratio of 3.98%.

Net Worth
First Technology U.S. Average
9.76% 13.46%

First Technology FCU has a net worth of 9.76% versus the BestCashCow average of 13.46. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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