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

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.

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 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.

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?

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.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Social Security Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Payment Options
  • Bank Transfer
  • Check by mail
  • Storefront
APR (Variable APR) 13.24% - 18%
Loan Amount $500 - $10,000

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