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First Tech Routing #321180379

Personal Loans

If you're looking for a way to consolidate debt or make a major purchase, we're here to help.

Fixed rate personal loans starting at As low as 7.89% Annual Percentage Rate (APR)7.89% with no payments for 45 days.
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A couple sitting on a deck with their legs dangling off the edge and above a body of water.
A couple sitting on a deck with their legs dangling off the edge and above a body of water.

Credit Union Personal Loan Options

A personal loan from a credit union offers unique flexibility. You have choices with personal loan rates, the ability to borrow up to $500k in a personal loan, payment options, and more.1

Fixed rate loan

As low as 7.89% Annual Percentage Rate (APR) 2

You can borrow a lump sum up to $50,000 and pay it off at a fixed-rate and term. Check your rate in 30 seconds.3
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Personal Line of Credit

As low as 13.25% Annual Percentage Rate (APR) 4

Get up to $10,000 cash on-demand and make a payment only when you have a balance.
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Stock Secured Loans

As low as 8.40% Annual Percentage Rate (APR) 5

Borrow between $25,000 and $1,000,000 to cover vacation costs, fund tech projects, pay medical bills, taxes or almost anything else you can imagine.
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Stock Secured Line of Credit

As low as 13.25% Annual Percentage Rate (APR) 6

Borrow between $25,000 and $500,000 to cover vacation costs, fund tech projects, pay medical bills, taxes or almost anything else you can imagine and want a payment only when you have a balance.
Apply now Learn More

Certificate Secured Loans

As low as 3.00% Annual Percentage Rate (APR) 7

Borrow between $500-$500,000 to consolidate debt or pay for a vacation and have a First Tech Share Certificate.
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Savings Secured Loans

As low as 3.00% Annual Percentage Rate (APR) 8

Borrow between $500-$500,000 to pay off debt or fund a tech innovation and want to hold on to your cash.
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Benefits of First Tech personal loans.

Quick and easy loan application

Apply online in a matter of minutes.

Flexible amounts

You choose what to borrow, starting as little as $500 and as much as $500k.

Keep your money in your pocket

These loans don't have origination, application or annual fees.

Protect what you have

Use your Line of Credit for Overdraft Protection on your First Tech Checking Account.

Debtsafe® loan payment protection

(Optional) Protect your loan payments and your family from unexpected events.

Chckmark Anytime, anywhere account access

Get secure online access and mobile access.
1
Actual rate will be determined based on the applicant’s credit history, and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval.
2

Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.

3
Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval.
4
Personal Line of Credit example: APR ranges from 13.25% to 18.00%. The Annual Percentage Rate (APR) will vary with the Prime Rate.
5
Stock Secured Loan example: $93,264 borrowed at 9.18% Annual Percentage Rate (APR) for 60 months = $20.85 per month per $1,000 borrowed.
6
Stock Secured Line of Credit example: APR ranges from 13.25% to 18.00%. The Annual Percentage Rate (APR) will vary with the Prime Rate.
7
Certificate Secured Loan example: $20,750 borrowed at 6.84% Annual Percentage Rate (APR) for 60 months = $19.73 per month per $1,000 borrowed. Pricing is based on savings account or certificate rates.
8
Share Savings Secured Loan example: $18,635 borrowed at 3.88% Annual Percentage Rate (APR) for 60 months = $18.36 per month per $1,000 borrowed.
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