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

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

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

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

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.

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 First Tech Federal Credit Union Personal Line of Credit?

Applicants with a credit score of at least 680 and up to 850 are 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. First Tech Federal Credit Union Personal Line of Credit only considers borrowers who are employed.

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. Active duty service members and their covered dependents are eligible to apply for a loan 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 loan.

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

• Proof of income
• Driver's license
• Government issued photo ID
• Proof of identity
• Proof of citizenship or residence permit

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

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.