Credit union · NCUA insured
First Tech Federal Credit Union Credit Card Rates
First Tech Federal Credit Union credit cards start at 10.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Tech Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Boston, MA-NH, where First Tech Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Tech Federal Credit Union
10.74%APR
- Up to
- 18.00% APR
Choice Rewards World Mastercard
Lowest rate
Albright Credit Union
7.99%APR
- Up to
- 17.99% APR
2nd-lowest rate
Beverly Municipal Federal Credit Union
7.99%APR
- Up to
- —
First Tech Federal Credit Union credit card score
80
Credit card score
Higher than 53% of U.S. banks and credit unions
- Purchase APRPurchase APR10.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Tech Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Choice Rewards World Mastercard
Credit Union membership is required and subject to approval. APR is based on creditworthiness. Variable rate adjusts monthly based on the Prime Rate. Maximum APR will not exceed 18.00%. Cash Advance APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75%–18.00% | None | Purchase APR is 11.75% to 18.00% when you open your account, based on creditworthiness. Variable rate adjusts monthly by adding a margin of 3.74% to 18.00% to Prime Rate. Maximum APR will not exceed 18.00%. No annual fee. Earn 20,000 bonus points when you spend $3,000 in the first 60 days. |
| Ongoing | 18.00% | None | Cash Advance APR is 18.00%, variable based on the Prime Rate. Maximum APR will not exceed 18.00%. No annual fee or cash advance fee. |
Sources (3)
- firsttechfed.com/rates/credit-cards
- firsttechfed.com/borrow/credit-cards/choice-rewards
- firsttechfed.com/borrow/credit-cards/choice-rewards-2
All captured Oct 6, 2026
Odyssey Rewards World Elite Mastercard
Credit Union membership is required and subject to approval. APR is based on creditworthiness. Variable rate adjusts monthly based on the Prime Rate. Maximum APR will not exceed 18.00%. Cash Advance APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 10.49%–18.00% | $75 | $0 intro annual fee for the first year, then $75 annually. Purchase APR and Balance Transfer APR are 10.49% to 18.00% based on creditworthiness. Cash advance APR is 18.00%. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Sep 16, 2026
Platinum Mastercard
Credit Union membership is required and subject to approval. APR is based on creditworthiness. Variable rate adjusts monthly based on the Prime Rate. Maximum APR will not exceed 18.00%. Cash Advance APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.49%–18.00% | None | Purchase APR is 10.49% to 18.00% when you open your account, based on creditworthiness. Variable rate adjusts monthly by adding a margin of 3.74% to 18.00% to Prime Rate. Maximum APR will not exceed 18.00%. No annual fee or foreign transaction fee. |
| Ongoing | 18.00% | None | Cash Advance APR is 18.00%, variable based on the Prime Rate. Maximum APR will not exceed 18.00%. No annual fee or cash advance fee. |
Sources (2)
All captured Oct 6, 2026
Platinum Rewards Mastercard
Credit Union membership is required and subject to approval. APR is based on creditworthiness. Variable rate adjusts monthly based on the Prime Rate. Maximum APR will not exceed 18.00%. Cash Advance APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49%–18.00% | None | Purchase APR is 11.49% to 18.00% when you open your account, based on creditworthiness. Variable rate adjusts monthly by adding a margin of 3.74% to 18.00% to Prime Rate. Maximum APR will not exceed 18.00%. No annual fee. Earn 1 point per $1 spent on eligible purchases. Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days. |
| Ongoing | 18.00% | None | Cash Advance APR is 18.00%, variable based on the Prime Rate. Maximum APR will not exceed 18.00%. No annual fee or cash advance fee. |
Sources (2)
All captured Oct 6, 2026
Platinum Secured Mastercard
Credit Union membership is required and subject to approval. Credit limit is secured by a refundable security deposit. APR is based on creditworthiness. Variable rate adjusts monthly based on the Prime Rate. Maximum APR will not exceed 18.00%. Cash Advance APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50%–18.00% | None | Purchase APR is 12.50% to 18.00% when you open your account, based on creditworthiness. Variable rate adjusts monthly by adding a margin of 3.74% to 18.00% to Prime Rate. Maximum APR will not exceed 18.00%. No annual fee, balance transfer fee, cash advance fee, or foreign transaction fee. |
| Ongoing | 18.00% | None | Cash Advance APR is 18.00%, variable based on the Prime Rate. Maximum APR will not exceed 18.00%. No annual fee or cash advance fee. |
Sources (2)
All captured Oct 6, 2026
Who can join First Tech Federal Credit Union
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.
Membership information collected October 5, 2026.