2702 Orchard Pkwy
San Jose, CA 95134
| NCUA Insured | Yes |
| Charter Number # | # 19976 |
| Date Established | 1970 |
| Assets | $12,115.98 million |
| Loans | $8,982.53 million |
| Deposits | $8,245.55 million |
| Capital | $1,099.44 million |
First Technology is an NCUA insured institution located in San Jose, CA. It was founded in 1970 and has approximately $12115.98 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.
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $5 | - | Learn More |
Compare with 1.95% APY Online Savings Account from Marcus by Goldman Sachs | Advertiser Disclosure
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| Compare with 2.15% APY Savings Builder from CIT Bank | Advertiser Disclosure | ||||
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Fixed IRA
|
0.75% | $500 | - | Learn More |
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $500 | - | Learn More |
| 12 Mo CD
|
0.75% | $500 | - | Learn More |
Compare with 2.55% APY 12 Month CD from Marcus by Goldman Sachs | Advertiser Disclosure
 |
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| 24 Mo CD
|
2.00% | $500 | - | Learn More |
| 36 Mo CD
|
1.35% | $500 | - | Learn More |
| 60 Mo CD
|
2.66% | $500 | - | Learn More |
Compare with 3.10% APY 60 Month CD from Marcus by Goldman Sachs | Advertiser Disclosure
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| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.05% | $1 | - | Learn More |
Your Current Location: Virginia, VA 20146
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit | 5.25% | 5.25% | Varies | Learn More |
Compare with 4.240 RATE Line of Credit from
See All Home Equity Rates |
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| 10 Year Loan | 6.50% | 6.50% | $567.74 | Learn More |
| 15 Year Loan | 7.00% | 7.00% | $449.41 | Learn More |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 3.50% | 3.50% | $454.79 | Learn More |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming | 4.25% | 4.00% | $1,849.22 | Learn More |
| 15 Year Fixed Jumbo | 4.63% | 4.50% | $1,912.48 | Learn More |
| 20 Year Fixed Conforming | 4.70% | 4.50% | $1,581.62 | Learn More |
| 30 Year Fixed Conforming | 4.78% | 4.63% | $1,285.35 | Learn More |
| 30 Year Fixed Jumbo | 4.81% | 4.75% | $1,304.12 | Learn More |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming | 4.25% | 4.00% | $1,849.22 | Learn More |
| 15 Year Fixed Jumbo | 4.63% | 4.50% | $1,912.48 | Learn More |
| 20 Year Fixed Conforming | 4.70% | 4.50% | $1,581.62 | Learn More |
| 30 Year Fixed Conforming | 4.78% | 4.63% | $1,285.35 | Learn More |
Compare with 4.933% APR and 4.875% 30-Year Fixed RATE from Ally Bank
See All Mortgage Rates |
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| 30 Year Fixed Jumbo | 4.81% | 4.75% | $1,304.12 | Learn More |
|
Compare with 4.933% APR and 4.875% 30-Year Fixed RATE from Ally Bank
See All Mortgage Rates |
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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.
Your Location:
Ashburn,Virginia
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.
| First Technology | U.S. Average |
|---|---|
| 2.47% | 5.78 |
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 June 30, 2018, First Technology had $26,756,214 in non-current loans and $1,518,648 in owned assets. To cover these potential losses it had $1,099,440,832 in net worth and $44,084,650 in loans loss reserves. That gives it a Texas Ratio of 2.47%.
| First Technology | U.S. Average |
|---|---|
| 9.07% | 13.21% |
First Technology FCU has a net worth of 9.07% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
A federal credit union, registered with the NCUA under certificate #19976.
Learn more about credit unions here.
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Please see Field of Membership information above for information on who is eligible to join.
First Technology has total capital of $1,099.44 million. Full information on First Technology's financial position is located above.
Credit Unions are owned by their members.
See branch locations nearby.
Compare mortgage rates here.
Compare home equity lines of credit rates here.
Compare auto loan rates here.
Compare personal loan rates here.
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