Credit Unions | First Technology Federal Credit Union

First Technology Federal Credit Union


First Technology Federal Credit Union is a NCUA insured federal credit union headquartered at 2702 ORCHARD PKWY, SAN JOSE, CA 95134.
It was founded in 1970 and has approximately $16,416 million in assets. Customers can open an account at one of its 59 branches.

Deposit Rates - March 29, 2023

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
2.25% $500 Compare
6 Mo CD
2.30% $50,000 Compare
12 Mo CD
2.15% $500 Compare
12 Mo CD
2.20% $50,000 Compare
13 Mo CD
3.85% $500 Compare
24 Mo CD
4.05% $500 Compare
24 Mo CD
4.10% $50,000 Compare
36 Mo CD
2.40% $500 Compare
36 Mo CD
2.45% $50,000 Compare
60 Mo CD
2.75% $500 Compare
60 Mo CD
2.80% $50,000 Compare
MM RATES APY MIN
Money Market
0.60% $100,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.05% $0

Loan Rates - March 29, 2023

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
7 Year Adjustable Jumbo
7.11% $1,663.26
10 Year Fixed Conforming
6.87% $2,854.63
10 Year Adjustable Jumbo
7.71% $1,769.48
15 Year Fixed Conforming
6.87% $2,194.98
15 Year Fixed Jumbo
7.11% $2,247.07
20 Year Fixed Conforming
7.45% $1,975.94
30 Year Fixed Conforming
7.52% $1,726.69
30 Year Fixed Jumbo
7.71% $1,769.48
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
7 Year Adjustable Jumbo
7.11% $1,663.26
10 Year Fixed Conforming
6.87% $2,854.63
10 Year Adjustable Jumbo
7.71% $1,769.48
15 Year Fixed Conforming
6.87% $2,194.98
15 Year Fixed Jumbo
7.11% $2,247.07
20 Year Fixed Conforming
7.45% $1,975.94
30 Year Fixed Conforming
7.52% $1,726.69
30 Year Fixed Jumbo
7.71% $1,769.48
See Other Mortgage Rates →

Overview 2023

General Credit Union Information

NCUA Insured Yes / Federally Chartered
Charter Number # 19976
Date Established 1970
Assets $16,416.20 million
Loans $11,730.23 million
Deposits $11,299.03 million
Capital $1,589.04 million


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Branches

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First Technology Federal Credit Union Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    FIRST TECHNOLOGY
    Credit Union
    CALIFORNIA
    $50,000
    6 Month
    2.25%
    7.76x (National Avg. - 0.29%)
    $500
    -
    SCENARIO
    Year Rate
    2.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,125 788
    2 51,125 1,150 805
    3 52,275 1,176 823
    4 53,452 1,203 842
    5 54,654 1,230 861
    6 55,884 1,257 880
    7 57,141 1,286 900
    8 58,427 1,315 920
    9 59,742 1,344 941
    10 61,086 1,374 962
    11 62,460 1,405 984
    12 63,866 1,437 1,006
    13 65,302 1,469 1,029
    14 66,772 1,502 1,052
    15 68,274 1,536 1,075
    16 69,810 1,571 1,100
    17 71,381 1,606 1,124
    18 72,987 1,642 1,150
    19 74,629 1,679 1,175
    20 76,309 1,717 1,202
    TOTAL $28,025 $19,618
  • 2
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    60 Month
    4.10%
    5.06x (National Avg. - 0.81%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178
  • 3
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    24 Month
    4.30%
    7.75x (National Avg. - 0.56%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,150 1,505
    2 52,150 2,242 1,570
    3 54,392 2,339 1,637
    4 56,731 2,439 1,708
    5 59,171 2,544 1,781
    6 61,715 2,654 1,858
    7 64,369 2,768 1,938
    8 67,137 2,887 2,021
    9 70,024 3,011 2,108
    10 73,035 3,140 2,198
    11 76,175 3,276 2,293
    12 79,451 3,416 2,391
    13 82,867 3,563 2,494
    14 86,430 3,717 2,602
    15 90,147 3,876 2,713
    16 94,023 4,043 2,830
    17 98,066 4,217 2,952
    18 102,283 4,398 3,079
    19 106,681 4,587 3,211
    20 111,268 4,785 3,349
    TOTAL $66,053 $46,237
  • 4
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    4.50%
    10.23x (National Avg. - 0.44%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,250 1,575
    2 52,250 2,351 1,646
    3 54,601 2,457 1,720
    4 57,058 2,568 1,797
    5 59,626 2,683 1,878
    6 62,309 2,804 1,963
    7 65,113 2,930 2,051
    8 68,043 3,062 2,143
    9 71,105 3,200 2,240
    10 74,305 3,344 2,341
    11 77,648 3,494 2,446
    12 81,143 3,651 2,556
    13 84,794 3,816 2,671
    14 88,610 3,987 2,791
    15 92,597 4,167 2,917
    16 96,764 4,354 3,048
    17 101,119 4,550 3,185
    18 105,669 4,755 3,329
    19 110,424 4,969 3,478
    20 115,393 5,193 3,635
    TOTAL $70,586 $49,410


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