First Technology Federal Credit Union

Headquarters

2890 Zanker Rd, Ste 120
San Jose, CA 95134
See all branch locations →

Phone 1-508-263-6700

Notable Rates APY Vs.Others
Savings N.A. 4.15% →
1-Year CD N.A. 4.59% →
2-Year CD N.A. 4.47% →
5-Year CD N.A. 4.50% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

First Technology is an NCUA insured institution located in San Jose, CA. It was founded in 1979 and has approximately $28579.91 millions in assets.

Who May Join DCU?

There are several ways to qualify for membership in DCU.

Eligibility by Family Relationship to a Current DCU Member

Relatives of DCU members are eligible to join by federal regulation if they are a spouse, domestic partner, child, sibling, parent, grandparent, or grandchild of a member. This includes stepchildren, stepparents, step siblings, and adopted children.

Eligibility by Company You Work for or Retired From

You are eligible to join if you fit within any of these three groups:

You currently work for or retired from a company in our list of participating employers (see below).

You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our list of participating employers.

You are the spouse of someone who died while they worked for or were retired from a company or organization in our list of participating employers.

Eligibility by Organization You Belong To

You are eligible to join if you fit within any of these three groups:

You currently belong to or join an organization whose members we serve (see below).
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.

You are the spouse of someone who died while they belonged to an organization in our list of participating organizations.
Eligibility by Community

You are automatically eligible to join DCU if you live, work, worship, or attend school in one the communities in our list (see below). Any business or other legal entity located in one of these areas is also automatically eligible to join.

NCUA Insured Yes / Federally Chartered
Charter Number # # 23521
Date Established 1979
Assets $28,579.91 million
Loans $22,102.85 million
Deposits $24,592.59 million
Capital $3,003.00 million
 

Field of Membership Restrictions

Membership in Digital Federal Credit Union is open to anyone through membership in Reach Out for Schools ($10 fee), Merrimack River Watershed Council, Inc. ($35 fee) and other select organizations. Membership is also open to those who live, work, attend school or worship in Lowell and Worcester, Massachusetts, in Cumming, Norcross, or Gainesville, Georgia and select areas of Chelmsford and Tewksbury, Massachusetts; to employees of CET Technology, Insulet Corporation, and over 500 Select Employer Groups.

Deposit Rates - September 21, 2026

Your Current Location: Arizona, AZ 85001

Checking Rates APY MIN FEE
Free Checking 0.10% $0 $0.00 Learn MoreShow Less
HSA Checking 0.10% $0 $0.00 Learn MoreShow Less
Advertiser Disclosure

Loan Rates - September 21, 2026

Your Current Location: Arizona, AZ 85001

There are currently no loan rates available for First Technology

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Arizona 30 Year Fixed Mortgage Rates 2026

View more mortgage rates

Featured - Arizona Home Equity Line Of Credit Rates 2026

View more home equity rates

Note to First Technology
To upload and update your bank's rates please register. It is free to register and add rates.







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:
Phoenix,Arizona



Climate Policy and 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.


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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
5.92% 6.78

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 December 31, 2025, First Technology had $180,761,343 in non-current loans and $5,178,411 in owned assets. To cover these potential losses it had $3,003,004,069 in net worth and $136,639,774 in loans loss reserves. That gives it a Texas Ratio of 5.92%.

Net Worth
First Technology U.S. Average
10.51% 14.48%

First Technology FCU has a net worth of 10.51% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for First Technology


  • May 4, 2016

    Refi, no cash out, no second

  • Paul N

    April 7, 2016

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    I just applied for a home equity loan with DCU. No problems at all so far. I did the entire application online. I did have some confusion with the info that I needed to provide. If you apply, you will need your tax returns for the past two years, most recent pay stubs, most recent real estate tax, homeowners insurance policy, and W2s. It wasn't terribly onerous but since I am not that organized it took me awhile to gather everything. I then uploaded it to their site. I also had contact with a lending rep and could ask info via secure mail. I'm waiting to hear if the loan was approved but so far no problems.


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Rate it here →

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