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Online Banking

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    30,000 Bonus Rewards PointsTo qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus. 

    3x points on travel and 2x points on diningFirst Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points. Returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks, insurance charges or unauthorized charges are not eligible for Rewards Points. See Card FAQs for more information about reward categories.

    0.00% Intro APR on balance transfers for 12 billing cyclesBalance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.

    Dynamic RateAPR equals Annual Percentage Rate. The APR will vary with the Prime Rate. The interest rate is based on credit worthiness and credit history. All loans are subject to credit approval. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply. 

    Annual Fee: First year free, then $75 thereafter 
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  • Flexible, premium rewards:

    • Earn 30,000 bonus Rewards PointsTo qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus.  when you spend $3,000 in the first 90 days
    • Earn 3x points on travel, 2x points on dining, 1x points on all other purchasesFirst Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points. Returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks, insurance charges or unauthorized charges are not eligible for Rewards Points. See Card FAQs for more information about reward categories.
    • Points never expire while account is open and in good standing
    • Redeem points for travel, merchandise, events and activities, charitable donations, gift cards and cash
    • Introductory 0.00% APR for 12 billing cycles on balance transfers made in first 90 daysBalance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.
    • No balance transfer fee, cash advance fee, or foreign transaction fee
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     Maximum Security

    • Chip and PIN transaction authentication
    • Active account fraud monitoring
    • Zero liability protection on all fraudulent transactions
    • Mobile and email fraud notifications
    • Advanced mobile app card controls: manage accounts, balance transfers, travel alerts, activate card, replace card, and more
    • Shop safely and effortlessly with Digital Wallet programs like Apple Pay, Samsung Pay, Google Pay and Microsoft Pay
  • Premium travel protection and other benefitsCoverage and benefits are determined by the terms, conditions, and exclusions of the Policies applicable to your Card, as specified by First Tech and the Mastercard® Guide to Benefits.

    • Zero Liability Protection
    • Concierge Service
    • Mastercard Global Service
    • Mastercard Airport Concierge™
    • MasterAssist Travel Assistance Services
    • Master RoadAssist® Roadside Service
    • Trip Cancellation and Trip Interruption
    • Worldwide Automatic Travel Accident & Baggage Delay
    • Mastercard ID Theft Protection™
    • Extended Warranty
    • Price Protection
    Learn more