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First Tech Routing #321180379
Personal Loans

The loan that has your certificate working double duty.

A no-fee Certificate loan uses your Share Certificate as collateral allowing you to continue to earn dividends and avoid any early withdrawal penalties.


As low as 3.00% Annual Percentage Rate (APR) Pricing is based on savings account or certificate rates plus Certificate Rate

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Certificate Secured Loans

A great loan for those who:

  • Have a First Tech Share Certificate
  • Want to avoid an early withdrawal penalty
  • Want a fixed monthly payment
  • Want to borrow between $500-$500,000 to consolidate debt or pay for a vacation

What you'll get:

  • Fixed-rate
  • Fixed-term loan

Reap the benefits.

Flexible financing options

  • Borrow as little as $500
  • Loan terms up to certificate maturity date

Quick and easy loan application

  • Online loan application
  • Digital document delivery
  • Fast loan decision

More money in your pocket

  • No pre-payment penalty
  • No application or origination fee
  • No annual fee

Which loan is right for you?

Fixed rate loan

You can borrow a lump sum up to $50,000 and pay it off at a fixed-rate and term. Check your rate for a 2 year term in 30 seconds.

Personal Line of Credit

Get up to $25,000 cash on-demand and make a payment only when you have a balance.

Stock Secured Loans

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.

Stock Secured Line of Credit

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 and want a payment only when you have a balance.

Certificate Secured Loans

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

Savings Secured Loans

Borrow between $500-$500,000 to pay off debt or fund a tech innovation and want to hold on to your cash.