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First Tech Federal Credit Union Reviews
5
27%
4
9%
3
2%
2
7%
1
56%
2.4
124 reviews
124 reviews
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First Tech Federal Credit Union
Michael Yunkus @yunkusbatuhan
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1 Star Rating
Absolute incompetence, a complete joke financial service. They keep sending me pre-approved credit card offers. I decided to take the offer and they denied me after putting a hard inquiry on my report! Not to mention my credit score is over 750 with 85k available in credit. Without confirming my income, these genius’ told me that my debt to income ratio was too high? This makes absolutely no sense.
Just stay away and take your business to any major bank without the headache and hassle.
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First Tech Federal Credit Union
Nicole Reyes @enjcs88418
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1 Star Rating
Refinanced my student loan with this bank. They called me. I called back 5 times, yes 5 and every time long wait times, transfered to wrong departments, hung up on totalling 2 hours on hold. Then 5th time the guy says here is the correct number to call. Of course "all circuits are busy." What a nightmare!!
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Product: First Tech Federal Credit Union Student Loans
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First Tech Federal Credit Union
Amanda Collier @AmCollier83
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1 Star Rating
I just got my auto loan refinanced with them and I’m seriously regretting it. It’s nearly impossible to make a payment online, they have to send “micro deposits” to your pay account to verify the authenticity. I’ve tried 3 different accounts now and they never send the micro deposits. When I call customer service they act so irritated and they don’t want to help me at all. Basically told me to keep trying, or go find a bank that they are linked to and make the payment. I’m far away from a city, and I have no idea how I’m going to pay my bill. It shouldn’t be this hard
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First Tech Federal Credit Union
Danielbass738 @Danielbass738
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1 Star Rating
Absolutely horrible customer service. i Have a credit card with them and every time I go to make a payment they hold my funds for 5 business days. They claim this is required because funds are coming from an account outside of their organization. Funny how Ame, cit, and every other credit card issuer can do it.
Really horrible experience with the loan officer here, completely robotic and unwilling/unable to take a moment and pretend to care about what our needs actually were and how he could help offer a solution. Really glad we decided not to go with them, especially after reading the reviews here.
Paid off a loan early.. 2 years go by without a call or emails and then suddenly we have debt collections contacting us saying that we owe THOUSANDS of dollars to First Tech.. called the credit union and they told us there was a fee for paying it off early. No one let us know and now that fee has turned into thousands of dollars that they sent to collections even though First Tech didn’t call us to let us know about a fee in 2 WHOLE YEARS. We called First Tech and they told us it isn’t their job to let us know about a fee for paying off a loan early. This is THOUSANDS of dollars we’re talking about.. all for paying a loan off earlier than it was supposed to be. Fml
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Product: First Tech Federal Credit Union Personal Loans
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First Tech Federal Credit Union
concernedpatron @concernedpatron
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1 Star Rating
AVOID: You may as well bank with BoA or Chase since the Addison Ave. merger - they behave worse than either of them. Not only did they almost screw us out of our house a few years back (long story, but pulled plug 3 weeks before closing and left us in a lurch. Thankfully our realtor knew another broker that not only got us a better rate, but pulled through and got us closed on time), but their Credit Card review process is comical - just got another letter today for their Annual "we're raising your credit card rate" because they do an annual review in JANUARY and if your score goes down even a little they jack up the interest rate due to "high balances" (seriously, still an 800, who's credit cards don't get used around the holidays) .. they won't review or even take anything into consideration when you can see all balances paid off that same month.. 3 years straight they've done this, thankfully i've already pulled all our main accounts over to BECU who beats them by light years. Only thing keeping any accounts open there is the lack of yearly fees (and laziness.)
My credit has ALWAYS BEEN IMPECCABLE!! My car was financed thru First Tech. In 2019 my financial situation changed as did many folks. I called First Tech to work out a new payment arrangement that would allow me to continue making payments and keep my car. This was 1 year into my loan. I was told if I would make one more payment, they could help me. I explained, I wouldn't be calling if I could have made the next payment. I was taught if you make a debt and anything prevents you from paying it, you contact the lender, explain your situation, and make new arrangements. After a couple weeks of phone calls and they were not willing to help me, I had no choice but to tell them to pick up my vehicle. Of course now I have this on my credit report as a delinquency. I have written letters to the reporting agencies, explaining what happened. And, to make it part of my record. However, I still cannot get anyone to extend credit to me.
After having a loan with 1st tech for many years the loan was paid off and now we only have savings account and safety deposit box. I checked tax documents today and found out we had been charged 4 inactivity fees (over 6 months inactivity) when I was told a) it was a year inactivity and b) having a safety deposit box qualified as an exemption. Talking with their support their staff and even their supervisors can't reverse the charges. Since their change in management they no longer customer orientated and can no longer recommend them to others.
The First Tech Credit Union Platinum credit card will help you build credit.
It's a secured card which requires a refundable security deposit upon account opening. This deposit will also serve as your credit limit, not allowing you to spend more than you can actually afford.
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. So with some responsible credit utilization it could easily help you build your credit.
The starting credit limit for the First Tech Federal Credit Union Platinum Secured card is $500. You will have to make a security deposit for this amount, which will be refunded to you upon closing your account.
On the other hand, this card has the highest credit limit allowed for a secured card: $25,000.
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, you cannot qualify for First Tech Federal Credit Union Platinum Secured Mastercard® graduation. If your credit score has improved and you'd like a card that you don't need a security deposit for, you'd have to apply separately. Call First Tech FCU's customer service at (855) 855-8805 to talk about which unsecured credit cards you qualify for.
