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  First Tech Federal Credit Union Personal Line of Credit
First Tech Federal Credit Union Personal Line of Credit
in Personal Lines of Credit from First Technology Federal Credit Union
Unaffiliated

First Tech Federal Credit Union Personal Line of Credit

Unaffiliated
in Personal Lines of Credit from First Technology Federal Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

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Highlights
Loan Amount $500 - $10,000
APR 13.24% - 18%

First Tech Federal Credit Union Personal Line of Credit Review

First Tech Federal Credit Union Personal Line of Credit is offered by First Technology Federal Credit Union, founded in 2012 and based in Cupertino, CA. First Tech Federal Credit Union Personal Line of Credit is available in 4 states across the USA.

First Tech line of credit FAQ

What APRs does First Tech Federal Credit Union Personal Line of Credit offer?

First Tech Federal Credit Union Personal Line of Credit offers a product that ranges from 13.24% APR up to 18% APR.

Does First Tech line of credit charge an origination fee?

No, they do 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 the First Tech line of credit charge a cash advance fee?

Yes, they may charge a fee.

Does the First Tech Federal Credit Union Personal Line of Credit charge a statement balance fee?

No, this lender does not charge a statement balance fee.

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

Yes, they may charge borrowers a late payment fee.

How much can you borrow via First Tech line of credit?

Upon approval and based on your credit score, your personal line of credit will be assigned a credit limit 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 No
Prepayment Fee? No
Late Payment Fee No
Statement Balance Fee No

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

Applicants with a credit score of at least 680 and up to 850 may be eligible for First Tech Federal Credit Union Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

First Tech Federal Credit Union Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the First Tech Federal Credit Union Personal Line of Credit product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

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

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

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

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Is First Tech line of credit a legit company?

First Tech line of credit was founded in 2012, it is a well-established company that has been in business for 10 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

How to apply for First Tech line of credit

  • Visit the website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 4 states
  • California
  • Colorado
  • Oregon
  • Washington

Feature Breakdown

Annual Fee $0
No Origination Fee
No Prepayment Fee
Credit Score Range 680 - 850
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Check by mail
  • Storefront
  • Bank Transfer
APR 13.24% - 18%
Loan Amount $500 - $10,000

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