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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

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First Tech Federal Credit Union Personal Line of Credit

Unaffiliated

in Personal Lines of Credit from First Technology Federal Credit Union

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Highlights
Loan Amount $500 - $10,000
APR  (Variable 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, a 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 Federal Credit Union Personal 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 variable APR product that ranges from 13.24% APR up to 18% APR.

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

U.S. citizens are, of course, eligible for the services offered by First Tech Federal Credit Union Personal Line of Credit. Permanent resident / green card holders are also eligible to apply.

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?

Yes, 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 may help improve your credit.

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

  • Visit the First Tech Federal Credit Union Personal Line of Credit 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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
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
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Check by mail
  • Storefront
  • Bank Transfer
APR (Variable APR) 13.24% - 18%
Loan Amount $500 - $10,000

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