First Tech Federal Credit Union review (2025): Fee-free accounts and 24/7 member support

Core Insights - First Technology Federal Credit Union, known as First Tech, was established in 1952 and currently serves over 600,000 members, offering a variety of financial products and services [1] Product Offerings - Membership requires a savings account with a minimum balance of $5, with no monthly fees and monthly dividends earned [2] - Rewards Checking allows members to earn up to $300 annually and offers a 3% APY on Rewards Savings balances, with a promotional bonus of up to $800 for new account holders [3] - Premier Rewards Banking offers a base rate of 3.65% APY, with an introductory rate of 4.4% APY for the first three months for new account holders [3][4] - Start Up Savings and Checking accounts for kids and teens require a minimum deposit of $25 for savings and $10 for checking, with up to 4% APY [5] - Share Certificates and Individual Retirement Accounts (IRAs) are available, with rates up to 3.15% APY for IRAs [7][9] - Business accounts include checking, savings, and certificates tailored for business customers [10] - A range of credit cards is offered, including secured options and various rewards Mastercards [11] - Personal loans include fixed-rate loans, lines of credit, and options for refinancing student loans, with rates starting as low as 8.60% [15] Customer Service and Accessibility - First Tech provides 24/7 customer service via phone, secure messaging, and live chat, along with in-person appointments at branches in select states [13][14][16] - The First Tech mobile app has high ratings and allows members to manage accounts, deposit checks, and pay bills [17] Social Responsibility - First Tech emphasizes sustainability through initiatives like solar energy use, e-waste events, and community gardens [18] Membership Eligibility - Membership is available to employees of partner organizations, relatives of current members, and residents of specific areas in Oregon [18] Insurance and Security - Deposits at First Tech are insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor [19]