Do you offer Money Market Deposit Accounts and if so, what is the rate of interest? First Tech Federal Credit Union is the nation's premiere credit union serving the technology industry. NerdWallet's ratings are determined by our editorial team. First Tech has assets of $6.2 billion and is headquartered in Mountain View, CA. Members can contact the credit union in person, by phone and Facebook or Twitter. We are right in the loan preparation for the purchase of a home and the finance person is constantly sick and out. 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. 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%. Will the First Tech Credit Union Platinum credit card help me build credit? The credit union doesn’t have an online chat feature. 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. " Ratings are rounded to the nearest half-star. This may influence which products we write about and where and how the product appears on a page. First Tech’s certificates have rates higher than national averages but aren't competitive with online banks. The credit union’s lengthy repayment terms and minimal fees mean you could score a low monthly payment, too, making it … I E mailed them proof of income like they requested via my E mail. Jobs; Companies; Salaries; Interviews; Search. You can't close the account even it is paid off and it will charge you 100 dollars for each year. It was the first credit union to offer a mobile banking app and provides financial services to companies like Amazon.com, Microsoft, Google, and more. NerdWallet strives to keep its information accurate and up to date. In fact, this car, while an older year, had only 11,000 miles on it, and was practically a new car. The services offered are very helpful as well as product. First Tech Credit Union - Read unbiased reviews of First Tech Credit Union, rated 2.3 out of 5 stars by 48 users Read more. On the other hand, this card has the highest credit limit allowed for a secured card: $25,000. 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. Our values aren't password protected, and there are no shortcuts to developing great relationships. Great Credit union with great auto financing & credit card & payment is applied immediately if paid online & once received by mail. My payment history on the bureau is marked as exceptional payment history with no lates ever. 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. 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. " The credit union’s overdraft policy could be better. 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. 41 reviews of First Tech Federal Credit Union "I discovered first tech through some friends at Microsoft and later was actually eligible to join. 277 Reviews. You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). This place is weird be careful. Engaged Employer. A First Tech personal loan is a good option for borrowers who are already members of the credit union or those who are eligible and want to join to get a loan and possibly other financial products. The starting credit limit for the First Tech Federal Credit Union Platinum Secured card is $500. When evaluating offers, please review the financial institution’s Terms and Conditions. Company Overview FAQ. Specialties: Unlike banks, we exist to serve our members, not to make a profit. Overview Overview. Debit card purchases can take up to 3 days to post and are dependent on merchant processing times. 161 reviews from First Tech Federal Credit Union employees about First Tech Federal Credit Union culture, salaries, benefits, work-life balance, management, job security, and more. It's a secured card which requires a refundable security deposit upon account opening. Overview Overview. They have only been around for 60 years, but they have made a lot of progress in those 60 years. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. We believe everyone should be able to make financial decisions with confidence. Jobs; Companies; Salaries; Interviews; Search. Plus the credit union’s minimum deposit requirement is higher than that of some of our favorite share certificate and certificate of deposit providers. Additional Contact Information. Information is displayed first and foremost for the benefit of consumers. Unfortunately, First Technology Federal Credit Union does not offer Money Market accounts. Best card for high limit and 0% balance transfer. Expert review. CD term lengths range from six months to five years. I'm going to move to USA from Puerto Rico. First Tech Federal Credit Union Reviews. Glassdoor has 267 First Tech Federal Credit Union reviews submitted anonymously by First Tech Federal Credit Union employees. Transfers on the latter are also free, with interest rates starting at 12.99%. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. We invite you to discover banking for those wired differently at www.firsttechfed.com. Engaged Employer. We’re normally a bit annoyed at these … I then received another request that they needed 2 years tax returns, and I provided, I then received an email saying they were blurry. Our partners cannot pay us to guarantee favorable reviews of their products or services. A free inside look at company reviews and salaries posted anonymously by employees. Company Overview FAQ. The purchase mortgage rate says 2%. 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. 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. Disclaimer: NerdWallet strives to keep its information accurate and up to date. 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. Our partners compensate us. His work has been featured by the Los Angeles Times, Mashable and USA Today. https://wallethub.com/savings-account/#iam=gc&at=mm&srt=ftr&insttype=bank. First Tech Federal Credit Union Reviews. Pre-qualified offers are not binding. 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. Pros. " You will have to make a security deposit for this amount, which will be refunded to you upon closing your account. Yet I could read every letter and every number on the returns . Fax Numbers (888) 505-1740. The response also stated that I needed to verify income by producing a last 30 days bank statement to prove all stated income. Debit card purchases can take up to 3 days to post and are dependent on merchant processing times. Has great perks and customer care is amazing ! View All num of num Close (Esc) First Tech Federal Credit Union. It will be 4% when you pre-qualify for refinancing, even though I'm 750+ score with no cash-out refinancing. View All num of num Close (Esc) First Tech Federal Credit Union. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Just see for yourself (As of October 2019): For the most part, the ratings speak for themselves and everything you need to do when it … You’ll need to open a Membership Savings account before you can open any other accounts. 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. The First Technology Federal Credit Union Platinum Rewards … View All num of num Close (Esc) First Tech Federal Credit Union. The response was that I was approved for a third of the amount and almost triple the interest rate of the offer. My ratio of debt to credit card limits is 26%. 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. Read employee reviews and ratings on Glassdoor to decide if First Tech Federal Credit Union is right for you. Company Overview FAQ. It’s a flexible, competitive loan with stand-out … Qualifying transactions must post to the account prior to the last day of the month. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. First Tech serves some of the world's most innovative, forward-thinking companies and their employees. I responded to a credit card pre-approval online and filled out an application. In addition, this information does not originate from us and thus, we do not guarantee its accuracy. First Tech Federal Credit Union Personal Line of Credit Review. The stars represent ratings from poor (one star) to excellent (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. I was trying to get a credit card after a flyer came in my mail saying that I was pre-approved. You can use the filters to find the most suitable account for you. 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. When evaluating offers, please review the financial institution’s Terms and Conditions. There's no gizmo that replaces truly listening to someone. Companies. 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. What a scam. 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. Credit Cards. Companies. I was then told that it would have to be proven for the last 6 months! Unlike many credit unions, First Tech makes it easy to join. 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 really does care about their customers. Furthermore, there … They quit showing the refinance rate for the mortgage. Join a credit union. It offers a low-interest rate and the opportunity to earn rewards on every purchase. But you can also apply to join First Tech if you're a member of a nonprofit called Financial Fitness Association, which costs $8. Highly recommend for someone trying to improve their score. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. So how do we make money? I applied for a used car loan. If you don’t qualify for membership, this isn’t the right option for you. Hiring Surge. I currently have a car loan with you. Upper management pushed changes to quickly before letting previous ones even settle in " (in 15 reviews) 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 has specialized in serving tech companies and their employees for over 60 years. Our opinions are our own. Frankly, we’re blown away by the high rates offered on First Tech Federal Credit Union’s Dividend Rewards Checking account — if you meet account requirements. 274 Reviews. Find out if you are eligible to join First Tech Federal Credit Union. How do I get a First Tech Union Platinum credit limit increase? Our membershp includes employees of the world's most progressive technology companies such as Microsoft, HP, Agilent Technologies, Amazon, CH2M HILL and many more. 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. 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. First Tech Federal Credit Union Review: Checking, Savings and CDs First Tech has good checking options and offers good access to ATMs and branches. His backup will NOT answer calls or emails. Many or all of the products featured here are from our partners who compensate us. NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Account opening was a breeze. 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%. I own my own home and all my rental properties out right. Can I move my car to the States. No monthly fee and low minimum opening deposit requirement on checking. All this with a nice personal touch." Although First Tech is headquartered in California, anyone can apply for membership. I'd give First Tech five stars except that they don't have a single branch in Seattle. First Tech Federal Credit Union Personal Line of Credit is available in 4 states across the USA. Your web browser (Internet Explorer) is out of date and no longer supported. 265 First Tech Federal Credit Union reviews. 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. Unfortunately, though, the vast majority of people won’t be able to join the union as members, let alone apply for a loan. First Tech’s website is fairly easy to use, and it mostly presents information in a clear and straightforward way. The scoring formulas take into account multiple data points for each financial product and service. In all that time, there's what we know for sure. They'll raise your credit limit in over time with good standing from my experience. Qualifications per monthly cycle are 12 debit card purchases, one direct deposit or ACH withdrawal and receipt of electronic statements. Please download one of these up-to-date, free and excellent browsers: WORST EXPERIENCE. Our review of First Tech Federal Credit Union personal loans looks at the borrowing amounts, fees, interest rates, repayment terms and membership … You know, that mega-bank that received hundreds of billions of taxpayer dollars and gives giant, undeserved bonuses to their useless executives? Pros. " 199 Ratings. What's the starting credit limit for the First Tech Federal Credit Union Platinum Secured card? Information on this page is provided 'as is' and solely for informational purposes, not for any other purpose or advice. 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. They provide some second load which sucks. Every time I called-an agent would take my phone number and say that somebody would call me back. A month after my initial application was filed!!!!!! That substitutes for personal attention applied emdiedatly if paid online with external payment & once by. 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