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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 6.99% Annual Percentage Rate (APR)6.99% with no payments for 45 days.
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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 $50k in a personal loan, payment options, and more.

Fixed rate loan

As low as 6.99% Annual Percentage Rate (APR) <p>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.</p>

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.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.
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Personal Line of Credit

As low as 12.50% Annual Percentage Rate (APR) Personal Line of Credit example: APR ranges from <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=4584bbb9-1e40-486b-a196-8c6a0b1d0871"> <span class="rate-prefix">As low as</span> <span class="rate-link">12.50%</span> <span class="rate-type">Annual Percentage Rate (APR)</span> </span></span>&nbsp;to 18.00%. The Annual Percentage Rate (APR) will vary with the Prime Rate.

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

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

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

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

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

Icon assessments Quick and easy loan application

Apply online in a matter of minutes.

Icon assessments Flexible amounts

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

Icon assessments Keep your money in your pocket

These loans don't have application or annual fees.Visit firsttechfed.com/rates for a complete list of fees.

Icon assessments Protect what you have

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

Icon assessments Debtsafe® loan payment protection

Protect your loan payments and your family from unexpected events. (Optional for fixed-rate loans only).

Chckmark Anytime, anywhere account access

Get secure online access and mobile access.
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