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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.

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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

1 - 6 of 26
Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
SoFi Checking and Savings
Finder Score: 4.5 / 5: ★★★★★
Bonus
SoFi Checking and Savings
$0 per month
$0
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until December 31, 2024.
Primis Perks Checking
Finder Score: 4.8 / 5: ★★★★★
Bonus
Primis Perks Checking
$0 per month
$1
N/A
Earn 50 cents for every debit card swipe except for ATM transactions
Upgrade Rewards Checking Plus
Finder Score: 4.3 / 5: ★★★★★
Upgrade Rewards Checking Plus
$0 per month
$0
N/A
Cash Card by Cash App
Finder Score: 4.4 / 5: ★★★★★
Cash Card by Cash App
$0 per month
$0
N/A
Step Black Card
Finder Score: 4.3 / 5: ★★★★★
Step Black Card
From $0 per month
$0
5.00% on balances of $0 to $1,000,000
PNC Virtual Wallet with Performance Select
Finder Score: 3.4 / 5: ★★★★★
Bonus
PNC Virtual Wallet with Performance Select
$25 per month
(can be waived)
$0
0.01%
Earn $400 when you open a new PNC Virtual Wallet with Performance Select and establish a direct deposit of at least $5,000+ to your Spend account in the first 60 days.
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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.

Frequently asked questions

Written by

Shannon Terrell

Shannon Terrell is a lead writer and spokesperson at NerdWallet and a former editor at Finder, specializing in personal finance. Her writing and analysis on investing and banking has been featured in Bloomberg, Global News, Yahoo Finance, GoBankingRates and Black Enterprise. She holds a bachelor’s degree in communications and English literature from the University of Toronto Mississauga. See full profile

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