First Technology Federal Credit Union
Phone: 1-855-855-8805
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
$17,059 million in assets. Customers can open an account at one of its
59 branches.
Deposit Rates - December 23, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.10% | $1 | Compare |
|
SAV
|
0.01% | $25 | Compare |
|
SAV
|
0.15% | $100,000 | Compare |
|
SAV
|
0.20% | $250,000 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
3.15% | $500 | Compare |
|
12 Mo CD
|
3.10% | $500 | Compare |
|
13 Mo CD
|
3.10% | $500 | Compare |
|
24 Mo CD
|
1.35% | $500 | Compare |
|
24 Mo CD
|
3.00% | $501 | Compare |
|
36 Mo CD
|
1.35% | $500 | Compare |
|
36 Mo CD
|
2.75% | $501 | Compare |
|
60 Mo CD
|
2.85% | $500 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
1.00% | $0 |
Loan Rates - December 23, 2025
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
7 Year Adjustable Jumbo
|
7.11% | $2,128.97 |
|
10 Year Fixed Conforming
|
6.87% | $3,653.92 |
|
10 Year Adjustable Jumbo
|
7.71% | $2,264.94 |
|
15 Year Fixed Conforming
|
6.87% | $2,809.58 |
|
15 Year Fixed Jumbo
|
7.11% | $2,876.25 |
|
20 Year Fixed Conforming
|
7.45% | $2,529.20 |
|
30 Year Fixed Conforming
|
7.52% | $2,210.16 |
|
30 Year Fixed Jumbo
|
7.71% | $2,264.94 |
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
7 Year Adjustable Jumbo
|
7.11% | $2,128.97 |
|
10 Year Fixed Conforming
|
6.87% | $3,653.92 |
|
10 Year Adjustable Jumbo
|
7.71% | $2,264.94 |
|
15 Year Fixed Conforming
|
6.87% | $2,809.58 |
|
15 Year Fixed Jumbo
|
7.11% | $2,876.25 |
|
20 Year Fixed Conforming
|
7.45% | $2,529.20 |
|
30 Year Fixed Conforming
|
7.52% | $2,210.16 |
|
30 Year Fixed Jumbo
|
7.71% | $2,264.94 |
Overview 2025
General Credit Union Information
| NCUA Insured | Yes / Federally Chartered |
| Charter Number | # 19976 |
| Date Established | 1970 |
| Assets | $17,059.19 million |
| Loans | $12,204.08 million |
| Deposits | $11,764.92 million |
| Capital | $1,698.43 million |
Customer Reviews for First Technology Federal Credit Union
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."
- 1LOCAL SAVINGSCredit Union-$50,000N.A.0.10%0.44x (National Avg. - 0.23%)$1-SCENARIO
Year Rate
0.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 50 35 2 50,050 50 35 3 50,100 50 35 4 50,150 50 35 5 50,200 50 35 6 50,251 50 35 7 50,301 50 35 8 50,351 50 35 9 50,401 50 35 10 50,452 50 35 11 50,502 51 35 12 50,553 51 35 13 50,603 51 35 14 50,654 51 35 15 50,705 51 35 16 50,755 51 36 17 50,806 51 36 18 50,857 51 36 19 50,908 51 36 20 50,959 51 36 TOTAL $1,010 $707 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.59x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
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