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First Tech Routing #321180379
Personal Loans

Lock in a low fixed rate with a First Tech personal loan.

Fixed rate personal loans starting at As low as 8.94% Annual Percentage Rate (APR) with no payments for 45 days.
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What is a fixed personal loan?

A fixed personal loan provides you a lump sum of money that is repaid with interest through monthly payment amounts that won’t change. Personal loans can be used for a variety of reasons such as consolidating higher interest loans, home improvements, consolidating credit card debt, paying for events like weddings or funerals, paying for unexpected emergencies or even vacations.4 Personal loans can offer an alternative to credit cards with predictable monthly payments.

Why get a personal loan from First Tech?

  • Low, fixed rates from As low as 8.94% Annual Percentage Rate (APR) 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. Term limits based on amount borrowed. $10,000 borrowed at 10% Annual Percentage Rate (APR) for 36 months = $322.67 per month. Late Payments will incur a fee of $29.  to 18.00% Annual Percentage Rate (APR)
  • Terms from 6-84 months
  • No application fees, origination fees or prepayment penalties
  • No payments for up to 45 daysDeferring your first payment (up to 45 days from the funding date of your loan) is optional and is not a condition of your loan. Deferring your loan payment may affect your APR and the total interest you pay. All other loan terms and provisions will remain the same.
  • Many ways to join First Tech
  • DebtSafe® Optional payment protection

Check your rate on a personal loan in 30 seconds or less.

Checking your rate will not affect your credit score. Quoted rate is for a 2-year term fixed personal loan.

Click the “Check My RateCheck your 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.” button below to get your rate for a 2 year term. Checking your rate will not affect your credit score.

What is Check My Rate? Have more questions like this? Check out our full FAQ for more information.

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What personal finance experts are saying about First Tech


CNBCCNBC is a division of NBCUniversal. named First Tech one of the 5 best credit unions for all your banking needs, saying “First Tech has some of the best low interest rate credit cards around. […] First Tech also offers a variety of checking and savings accounts, IRAs, mortgages, personal, auto and student refinance loans and more.”

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According to NerdwalletNerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc., “First Tech Federal Credit Union offers a great checking account with no monthly fees. Anyone can apply for membership if they meet an easy requirement.”

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Bankrate© 2023 Bankrate, LLC. A Red Ventures company. All Rights Reserved. gives First Tech 4.2 out of 5 starts and says “It’s easy to open an account since there are no monthly fees and minimum deposits are relatively low. Moreover, the credit union offers competitive yields on its share certificates.”


Borrow from $500 to $50,000
Fast online application
Fixed rate and fixed monthly payment
Flexible repayment terms
Visit the rates page for complete rate information and loan costs

Reap the benefits.

Quick and easy loan application

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

Secure, anytime, anywhere account access

  • Free mobile app
  • Free Online Banking

More money in your pocket

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

Frequently Asked Questions

Most loans are approved right away or within a business day, depending on the amount being financed and your overall credit and situation.

Your credit does not have to be perfect to qualify, but you should be aware of your credit score and the factors that can affect it. Visit our Financial Wellness Center for more information about credit scores.

We will need some form of identification, your name, address, employer information.

Call or email a member service representative at If you apply online you'll get an email with detailed information about next steps and how to check the status of your loan.

Securing a loan with bad credit is not impossible. We have a full range of products to offer to all credit types. We will work with you to understand your unique situation.

As long as you do not miss any payments and your loan is paid in full by the time indicated by the terms of the agreement, a personal loan could improve your credit score overall. Different factors, such as the amount of loans you have compared to your income, can have different effects on your score. Visit our Financial Wellness Center for more information about credit scores.

Credit unions are member-owned, not-for-profit institutions, meaning that profits go toward lower loan rates and higher interest for members. Because of this, credit unions can often offer lower interest rates and low or no fees on personal loans.

You can use the funds from a personal loan to invest in legal enterprises, including the stock market and other investment options. However, some investments are not insured and can lose money. Regardless of the outcome of the investment, the personal loan would still need to be paid back in full according to the terms of the loan.

Some lenders charge a fee called a pre-payment penalty if you pay off the loan before the end of the term. First Tech does not charge a prepayment penalty. You can pay off the loan as soon as you are able.

First Tech offers fixed personal loan terms of 24, 36, 48, 60, 72, and 80 months. Most lenders offer a 60 month term so that would mean you’d have 60 monthly payments of the same amount to pay off the loan. 

Get a great personal loan rate, plus membership at a top national credit union

To open a First Tech account, you must be a member of First Technology Federal Credit Union. First Tech is a member-owned, full-service financial institution with all the products and stellar mobile and online services you would expect from a top national bank. Joining is easy. Just answer a couple questions on the membership page of the loan application. If you aren’t sure how to qualify as a member or have any questions at all, call us at 888.422.5680 and we’ll be happy to help.

What our members are saying.


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