First Tech Federal Credit Union Personal Line of Credit Review

Where does First Tech Federal Credit Union Personal Line of Credit do business?

First Tech Federal Credit Union Personal Line of Credit is a credit union based in Cupertino, CA. that was founded in 2012. First Tech Federal Credit Union Personal Line of Credit is offered in 4 state s across the USA.

What are the APRs offered via First Tech Federal Credit Union Personal Line of Credit?

First Tech Federal Credit Union Personal Line of Credit offers personal lines of credit with variable APRs starting from 13.24% to 18%.

Does First Tech Federal Credit Union Personal Line of Credit charge an origination fee?

No, First Tech Federal Credit Union Personal Line of Credit does not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does First Tech Federal Credit Union Personal Line of Credit charge a cash advance fee?

Yes, First Tech Federal Credit Union Personal Line of Credit may charge a fee.

Does First Tech Federal Credit Union Personal Line of Credit charge a late fee?

Yes, First Tech Federal Credit Union Personal Line of Credit may charge borrowers a late payment fee.

Does First Tech Federal Credit Union Personal Line of Credit charge prepayment fees?

No, First Tech Federal Credit Union Personal Line of Credit does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the line of credit off and close the account.

How much can you borrow via First Tech Federal Credit Union Personal Line of Credit?

Upon approval and based on your credit worthiness, your First Tech Federal Credit Union Personal Line of Credit personal line of credit will be assigned a credit line of at least $500 and as much as $10,000. .

First Tech Federal Credit Union Personal Line of Credit Fees

Cash Advance Fee	N/A
Origination Fee	N/A
Prepayment Fee?	No
Late Payment Fee	N/A

What do you need to qualify for a line of credit with First Tech Federal Credit Union Personal Line of Credit?

Applicants with a credit score of at least 680 can apply for a line of credit via First Tech Federal Credit Union Personal Line of Credit. The minimum age to apply for a line of credit is 18 or the state minimum, whichever is higher.

First Tech Federal Credit Union Personal Line of Credit only considers borrowers who are employed, or have a regular source of income or benefits

Active duty servicemembers and their covered dependents are not considered covered borrowers. In other words, they are eligible to apply for a line of credit via First Tech Federal Credit Union Personal Line of Credit. Their rates fall within the limits of The Military Lending Act. Only U.S. citizens and permanent residents can apply for a line of credit.

To qualify, applicants may need to provide the following documentation:

• Driver's license
• Proof of identity
• Proof of citizenship or residence permit
• Proof of income

Does First Tech Federal Credit Union Personal Line of Credit report your account activity to credit bureaus?

First Tech Federal Credit Union Personal Line of Credit reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for First Tech Federal Credit Union Personal Line of Credit

• Visit the First Technology Federal Credit Union website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.