First Tech Federal Credit Union is the nation's premiere credit union serving the technology industry. 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 has assets of $6.2 billion and is headquartered in Mountain View, CA. First Tech... show more
Eligibility
Find out if you are eligible to join First Tech Federal Credit Union.
First Tech Federal Credit Union Reviews
5
26%
4
14%
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6%
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9%
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45%
2.7
164 reviews
164 reviews
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First Tech Federal Credit Union
wallethub_260 @wallethub_260
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1 Star Rating
I'm only giving 1-star because there is no zero-star option.
I called and spoke with representatives on the phone in advance of making a credit card application as I was concerned about eligibility requirements for membership. They told me I could join and would be eligible by signing up for a membership with the computer history museum.
After filing the application, their systems were not working, and I had no idea what the status of my application was. I had to call to find out what happened with the application, and spoke to someone at a call center that obviously does not work for this institution.
I then received multiple emails, one saying my credit card application was approved and another saying that my application to the CU was denied because: "We are unable to validate the information provided".
After 20+ minutes on the phone and a transfer from one department to another, they were unable to explain why the application was not accepted. After requesting an escalation to a manager, the second representative I spoke with said his manager was in a meeting and would call me back in an hour. That did not happen.
This is easily the worst experience I have ever had with a financial institution.
The worst!! I have been waiting for two weeks for answers from a fraud claim! Got a call back today and the worst customer service ever!! Now they want me to pay everything back!!! RUDE REPRESENTATIVES!!
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Product: First Tech Federal Credit Union Business Services
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First Tech Federal Credit Union
ah4u @ah4u
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1 Star Rating
This credit union has absolutely LUDICROUS password requirements to sign up for and use the online banking portal - you will be forever wasting time with new password re-sets! For your sanity, stay away!
Always love the spirit of Staff ! Manager & Her crew are Top Tier caring individuals who smile & treat me like Family ! Thank You all so very much ! I appreciate them all these years of being a member ! Great Service - dedication ❤️
We have excellent credit and were immediately emailed that we were approved contingent on our salary verification. It's been two weeks and we still have not been given final confirmation.
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
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.
Yes, the First Tech Choice Rewards card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
The First Tech Choice Rewards card is meant for people with fair credit or better. You can check your credit score by signing up for a free WalletHub account. You'll have access to free credit scores and free credit reports, both updated daily.
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.