First Technology Federal Credit Union, founded in 1952, serves over 600,000 members and offers rewards checking, savings accounts, credit cards, and personal loans. Ranked among the top 10 credit unions for 2025. A $5 minimum balance is required to join with no monthly account fees.

Members can earn up to $300 annually with Rewards Checking and 3% APY on Rewards Savings. New account holders can get up to $800 in bonus cash. The Premier Rewards Banking account offers a base rate of 3.65% APY, with an introductory rate of 4.4% APY for the first three months.

First Tech offers Start Up Savings and Checking accounts for kids and teens, with up to 4% APY. Promotional Share Certificates and Bump Up Certificates with rates up to 4.5% APY and 3.1% APY respectively. Traditional Certificates range from six to 60 months with rates up to 3.15% APY.

IRA certificates and savings accounts with rates up to 3.15% APY are available. Business banking products include checking, savings, and certificates. Credit cards, home loans, personal loans, student loan refinancing, and auto loans are also offered by First Tech.

Pros of First Tech include no monthly account fees and 24-hour telephone support. Cons include lower rates on some accounts and limited branch access. Customer service is available 24/7 via phone, secure message, live chat, or in-person appointments at select branches.

First Tech’s mobile app has a high rating on App Store and Google Play. The credit union prioritizes sustainability through various initiatives like solar panels and clean events. Membership is open to employees of partner organizations, Oregon residents, and members of specific associations.

Deposits are insured up to $250,000 per depositor by the NCUA. First Tech’s routing number is 321180379. Members can use Zelle for money transfers via the credit union’s mobile app.

Read more at Yahoo Finance: Fee-free accounts and 24/7 member support