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First Tech Federal Credit Union: Savings, Checking, and CDs

Members have access to competitive rates, nationwide fee-free ATMs and 24/7 customer service.

First Tech Federal Credit Union

First Tech Federal has a range of personal and business banking products to choose from and offers 24/7 customer service. But you’ll need to meet eligibility requirements to become a member.

Am I eligible?

To become a First Tech Federal member, you must meet one of the following criteria:

  • Work for a company on First Tech Federal’s partner list
  • Work for the State of Oregon
  • Work or live in Lane County, Oregon
  • Belong to the Computer History Museum
  • Belong to the Financial Fitness Association

What banking products does First Tech Federal Credit Union offer?

Why should I open an account at First Tech Federal Credit Union?

This credit union offers several perks that help distinguish it from the competition:

  • High-yield checking. First Tech Federal’s Dividend Rewards Checking offers up to 2.0% APY — an impressive rate for a checking account.
  • Minimal monthly fees. Most of this credit union’s checking and savings accounts have no monthly maintenance fees.
  • Fee-free ATMs. First Tech Federal is part of the CO-OP ATM network, which supports over 30,000 fee-free ATMs across the US.
  • 24/7 customer service. First Tech Federal’s toll-free line is available 24/7.

What should I look out for?

Similar to other credit unions, you’ll need to meet certain criteria to become a member and open an account. Other drawbacks include:

  • Mediocre savings rates. Its savings account rate of 1.20% APY is nothing to sneeze at — you can find higher yield accounts elsewhere.
  • Poor online reputation. First Tech Federal is not an accredited business with the Better Business Bureau and has a rating of 2.1 out of 5 based on 138 reviews on its public Facebook page.
  • Limited branch network. First Tech Federal branches are only located in Washington, Oregon, California, Colorado, Idaho, Texas and Georgia.

Compare First Tech Federal to the competition

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 3.8 / 5: ★★★★★
Aspiration Spend & Save Account
Up to 1.00%
$10
55,000 free in-network ATMs
$0
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
Citibank® Account Package
Citibank® Account Package
0.50%
$0
No access to ATMs
$2.50
Earn a $300 bonus after opening new eligible checking and savings accounts and completing required activities.
HSBC Premier Checking
Finder Rating: 2.7 / 5: ★★★★★
HSBC Premier Checking
0.01%
$1
Free to use at all ATMs in the US
$0
Get a 3% cash bonus in the first six months (up to $600) or $450 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by June 30, 2021, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
Chime Spending account
Finder Rating: 4.7 / 5: ★★★★★
Chime Spending account
N/A
$0
38,000 fee-free ATMs nationwide
$2.50
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Axos Bank Essential Checking
Finder Rating: 5 / 5: ★★★★★
Axos Bank Essential Checking
N/A
$0
ATM fees reimbursed at any ATM nationwide
No fees. Unlimited domestic ATM fee reimbursements.
OnJuno
Finder Rating: 4.8 / 5: ★★★★★
OnJuno
Up to 2.15%
$0
more than 85,000 ATMs nationwide
$0
OnJuno embraces an open banking system for everyone, regardless of their age, location, or income.
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Compare up to 4 providers

First Tech Federal Credit Union customer service

Connect with this provider in five ways:

  • 24/7 Phone. Call 855-855-8805 to speak with a First Tech Federal rep.
  • Secure message. Log in to your online account to send a secure message through First Tech Federal’s Online Banking Message Center.
  • Social media. Connect with a rep through Facebook and Twitter.
  • In person. First Tech Federal has over 5,000 shared branches across the US.
  • Mail. Mail letters to PO Box 2100, Beaverton, OR 97075-2100.

Bottom line

First Tech Federal has a full suite of personal and business banking products to choose from, including checking and savings accounts, IRAs, share certificates, loans and insurance products. But you need to be a member to open an account and its branch network is limited.

Not sure this is the provider for you? Compare your bank and credit union options to find one that meets your needs.

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