FIRST TECHNOLOGY

2702 Orchard Pkwy
San Jose, CA 95134

Phone: 1-855-855-8805

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 19976
Date Established 1970
Assets $12,179.51 million
Loans $8,984.93 million
Deposits $8,691.17 million
Capital $1,164.94 million

First Technology is an NCUA insured institution located in San Jose, CA. It was founded in 1970 and has approximately $12179.51 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.

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 - April 21, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA
2.10% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.25% $500 - Learn MoreShow Less
12 Mo CD
2.10% $500 - Learn MoreShow Less
24 Mo CD
2.50% $500 - Learn MoreShow Less
36 Mo CD
2.60% $500 - Learn MoreShow Less
60 Mo CD
3.00% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 - Learn MoreShow Less

Loan Rates - April 21, 2019

Your Current Location: Washington, WA 98109

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
5 Year 3.75% 3.75% $457.60
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.



Branches

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:
Seattle,Washington


First Technology Locations


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
5.23% 7.49

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 December 31, 2018, First Technology had $62,130,457 in non-current loans and $1,554,805 in owned assets. To cover these potential losses it had $1,164,941,016 in net worth and $53,461,056 in loans loss reserves. That gives it a Texas Ratio of 5.23%.

Net Worth
First Technology U.S. Average
9.56% 13.61%

First Technology FCU has a net worth of 9.56% versus the BestCashCow average of 13.61. 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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