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Bank FAQ: Answers to Your Frequently Asked Banking Questions

Get answers to your commonly asked questions about our products and services. Learn about your account, your routing number and more. If you’re not finding the information you need, visit our FAQ center.

Making a payment from another financial institution is simple and secure.

Option 1: Use First Tech Digital Banking

  1. Log in to Digital Banking or the First Tech app.
  2. Go to the Transfer feature.
  3. Add your external account by following the prompts.
    Need help? View our setup guide.
  4. Once your account is linked, you can schedule one-time or recurring payments.

Option 2: Pay from your other bank’s online banking

To send a payment to First Tech from another bank, you’ll need:

  • Your First Tech account number (found in Digital Banking or on your statement)
  • First Tech’s routing number: 321180379
  • First Tech’s mailing address:
    P.O. Box 2100, Beaverton, OR 97075-2100

Helpful Resources

A co-signer may be helpful—or required—if:

  • You have limited credit history
  • You’re working to build or improve your credit
  • More than one person will be responsible for repaying the loan

Having a co-signer can strengthen your application and may help you qualify for better terms. If you're unsure whether a co-signer is needed, we're here to help you decide before you apply.

Feel free to contact us, or visit a nearby Experience Center to speak with a representative.

Helpful Resources

Your APR reflects the total cost of borrowing and can vary based on several key factors. Here’s what may affect your rate:

Auto Loan Example

  • Credit Score: Higher scores often qualify for lower APRs.
  • Loan Amount & Down Payment: A larger down payment reduces your loan size, which can lower your APR and monthly payments.
  • Loan Term: Longer terms may come with higher APRs.
  • Vehicle Age: New vehicles typically qualify for better rates than used ones.
  • Other Factors: Dealership markups, your debt-to-income ratio, vehicle mileage, and demand for the vehicle type can also impact your APR.

 

Home Loan Example

  • Credit Score: A strong credit history can help you secure a lower APR.
  • Loan Amount & Down Payment: A larger down payment can reduce your APR and monthly payments.
  • Loan Term: Longer repayment periods may result in higher APRs.
  • Discount Points: You can lower your APR by paying points upfront.
  • Fees & Location: Broker fees, inspection costs, appraisals, and the property’s location may also influence your APR.

 

Helpful Resources

We offer a wide range of loan options to support your goals—whether you're buying a home, financing a vehicle, covering education costs, or managing personal expenses.

Home Loans

  • Fixed and adjustable-rate mortgages
  • Home equity loans and lines of credit (HELOCs)
  • Refinance options

Vehicle Loans

  • New and used auto loans
  • Motorcycle, RV, and boat loans
  • Lease buyout financing

Student Loans

  • Undergraduate and graduate loan options
  • Student loan refinancing

Personal Loans

  • Unsecured personal loans
  • Debt consolidation
  • Emergency expenses

Not sure which loan is right for you? We’re here to help. Contact us online, or visit a nearby Experience Center, or speak with a representative. 

Helpful Resources

When reviewing loan details, you’ll often see two rates: the interest rate and the APR (Annual Percentage Rate). Here’s how they differ:

 Interest Rate

  • The cost of borrowing money, expressed as a percentage.
  • Covers only the interest charged on the loan.
  • Does not include fees or other loan-related costs.

APR (Annual Percentage Rate)

  • Reflects the total cost of financing your loan each year.
  • Includes the interest rate plus fees like loan origination, service contracts, discount points, and more.
  • Gives you a more complete picture of what you’ll pay.

 Examples:

  • An auto loan APR may include costs like GAP insurance, licensing fees, or vehicle service contracts.
  • A home loan APR may include broker fees, discount points, closing costs, and appraisal fees.

When comparing loan offers, it’s best to look at the APR, since it includes all associated costs—not just the interest.

Helpful Resources

At this time, First Tech does not offer Medallion Signature Guarantee services.

However, many of our Experience Centers provide notary services, which may be suitable for certain document types. To confirm availability and schedule an appointment, please visit our Locations page.

 Reminder: 

Notary services are not a substitute for a Medallion Signature Guarantee. If your document specifically requires a Medallion Guarantee—commonly used for securities transfers—you may need to visit a financial institution that participates in the Medallion program.

Helpful Resources

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