Credit union · NCUA insured
First Tech Federal Credit Union
A $28.6B credit union, the 6th largest of 4,329, headquartered in San Jose, CA, with 1.87 million members and 56 branches in 8 states. Best rates: CDs 3.75% and savings 0.01% APY.
First Tech Federal Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#66 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Tech Federal Credit Union
First Tech Federal Credit Union was founded in 1952 by people at Hewlett-Packard and Tektronix.
The credit union focuses on serving leading technology companies, their employees, and families in the tech community.
- Headquarters
- 2890 Zanker Rd, Ste 120, San Jose, CA 95134-2118
- NCUA charter
- 23521
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, or worship in a participating community.
Employers and groups
- Membership is open to individuals who belong to a participating organization, which can be joined at a branch location or within the online application.
- Membership is open to individuals who work for one of over 1,700 partner companies (such as Amazon, Microsoft, or Intel).
Military, government and schools
- Membership is open to individuals who work for the State of Oregon.
Family and household
- Membership is open to individuals who have a family or household member who is already a First Tech member.
Other ways
- Membership is open to individuals who live in a participating condominium association.
Branches
56 branches in 8 states
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Massachusetts
19 branches
Boston area · 13
- Acton100 Powdermill Rd, Acton, MA 01720Directions
- Andover209 N Main St, Andover, MA 01810Directions
- Burlington15 Greenleaf Way, Burlington, MA 01803Directions
- Framingham60 Worcester Rd, Framingham, MA 01702Directions
- Franklin500 W Central St, Franklin, MA 02038Directions
- Lexington1751 Massachusetts Ave, Lexington, MA 02420Directions
- Littleton207 Constitution Ave, Littleton, MA 01460Directions
- Lowell564 Bridge St, Lowell, MA 01850Directions
- Marlborough East279 Main St, Marlborough, MA 01752Directions
- Marlborough Solomon Pond865 Donald Lynch Blvd, Marlborough, MA 01752Directions
- Methuen2 Broadway, Methuen, MA 01844Directions
- Tyngnsboro378 Middlesex Rd, Tyngsboro, MA 01879Directions
- Waltham130 Lexington St, Waltham, MA 02452Directions
Worcester area · 6
- Fitchburg350 John Fitch Hwy, Fitchburg, MA 01420Directions
- Leominster198 New Lancaster Rd, Leominster, MA 01453Directions
- Westborough18 Lyman St, Westborough, MA 01581Directions
- Worcester Crossing11 Tobias Boland Way, Worcester, MA 01607Directions
- Worcester Gold Star129 Gold Star Blvd, Worcester, MA 01606Directions
- Worcester Shrewsbury Street225 Shrewsbury St, Worcester, MA 01604Directions
Oregon
11 branches
Portland area · 6
- Cedar Hills Community Experience Center2929 SW Cedar Hills Blvd Bldg 19, Beaverton, OR 97005Directions
- Nimbus Community Experience Center8700 SW Nimbus Ave, Suite A, Beaverton, OR 97008Directions
- Cornell Road Community Experience Center5860 NE Cornell Rd, Hillsboro, OR 97124Directions
- Ronler Acres RA4 Onsite Experience Center2501 NE Century Blvd Bldg RA4, Hillsboro, OR 97124Directions
- Tanasbourne Community Experience Center10910 NE Evergreen Pkwy, Hillsboro, OR 97006Directions
- Wilsonville Community Experience Center30200 SW Boones Ferry Rd, Suite 58, Wilsonville, OR 97070Directions
Eugene area · 2
- West 11th Community Experience Center4400 W 11th Ave, Eugene, OR 97402Directions
- Oakridge Community Experience Center48283 E 1st St, Oakridge, OR 97463Directions
Salem area · 2
- Keizer Station Experience Center6015 Ulali Dr NE, Keizer, OR 97303Directions
- State Street Community Experience Center1550 State St, Salem, OR 97301Directions
Corvallis area · 1
- Corvallis Onsite Experience Center1044 NE Circle Blvd, Corvallis, OR 97330Directions
Washington
9 branches
Seattle area · 8
- Downtown Bellevue Community Experience Center555 108th Ave NE, Bellevue, WA 98004Directions
- Ridgepointe Community Experience Center2700 156th Ave NE, Suite 100, Bellevue, WA 98007Directions
- Kirkland Urban Community Experience Center400 Urban Plz Ste 145, Kirkland, WA 98033Directions
- Bella Bottega Experience Center8862 161st Ave NE Ste 108, Redmond, WA 98052Directions
- Studios West Onsite Experience Center15255 NE 40th St, Redmond, WA 98052Directions
- Sammamish Community Experience Center22620 SE 4th St Ste 100, Sammamish, WA 98074Directions
- South Lake Union Community Experience Center2201 Westlake Ave, Suite 102, Seattle, WA 98121Directions
- Terry Avenue Community Experience Center555 Terry Ave N, Seattle, WA 98109Directions
Portland area · 1
- Vancouver Community Experience Center170 NE 192nd Ave Ste 401, Vancouver, WA 98684Directions
California
8 branches
San Jose area · 3
- Cupertino Community Experience Center19960 Stevens Creek Blvd, Cupertino, CA 95014Directions
- Palo Alto Community Experience Center3000 El Camino Real, 3 Palo Alto Square, Suite 100, Palo Alto, CA 94306Directions
- San Jose Community Experience Center181 E Tasman Dr Ste 10, San Jose, CA 95134Directions
Sacramento area · 2
- Rocklin Corporate1011 Sunset Blvd, Rocklin, CA 95765Directions
- Roseville Community Experience Center1210 Roseville Pkwy Ste 130, Roseville, CA 95678Directions
Santa Rosa area · 2
- Santa Rosa Community Experience Center2500 Mendocino Ave Ste C, Santa Rosa, CA 95403Directions
- Santa Rosa PSC3562 Round Barn Cir Ste 214, Santa Rosa, CA 95403Directions
San Diego area · 1
- San Diego Onsite Experience Center16399 W Bernardo Dr Bldg 61L, San Diego, CA 92127Directions
New Hampshire
4 branches
- Hudson8 Flagstone Dr Unit A, Hudson, NH 03051Directions
- Manchester369 S Willow St, Manchester, NH 03103Directions
- Merrimack19 Premium Outlets Blvd, Merrimack, NH 03054Directions
- Nashua379 Amherst St, Nashua, NH 03063Directions
Colorado
3 branches
Boulder area · 1
- Boulder Community Experience Center2317 30th St Unit 2C, Boulder, CO 80301Directions
Denver area · 1
- Denver Tech Community Experience Center6971 E Belleview Ave, Denver, CO 80237Directions
Fort Collins area · 1
- Fort Collins Community Experience Center2720 Council Tree Ave Ste 188, Fort Collins, CO 80525Directions
Idaho
1 branch
- Boise Community Experience Center47 E Riverside Dr, Eagle, ID 83616Directions
Texas
1 branch
- Houston Community Experience Center1701 CIty Plaza Dr Ste G-105, CityPlace Building 2, Spring, TX 77389Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.75% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.61% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.38% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalNet worth ratio10.75%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.61%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.38%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Tech Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.