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First Tech Credit Union

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Member

First Tech Credit Union

Hello all

Interested in any information and DP's about  First Tech Credit Union in regards to newer member applications. Is there a perferable wait time for new members to apply for products? I see they use mostly Experian but does anyone know what version? 
I am aware of the check your rate option they have, so I was wondering  if it returns a number instead of we can't find anything language  is that golden for an approval? 
Looking to consolidate a few cards and would like to close if they offer decent limits or balance transfer options.

Thank you!

Message 1 of 4
3 REPLIES 3
tcbofade
Super Contributor

Re: First Tech Credit Union

Decent is a relative term.

 

DW got approved for a $5k starting line... she used the zero percent zero fee BT offer for 12 months, paid it off, and it's been sitting empty since. 

 

Their website is a bit clunky to use, but no real complaints. 

 

No real benefits either...

Fico 8 8/01/25: EX 802, EQ 804, TU 800.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 2 of 4
IntegerIntrovert
Frequent Contributor

Re: First Tech Credit Union

+1 to website being ancient for "tech" CU. I just closed my stuff since I wasn't using it.



EQ - 841 / TU - 813/ EX - 823


Message 3 of 4
donald795
New Visitor

Re: First Tech Credit Union

Hello,

first Tech Credit Union's new member application process is generally straightforward. While they primarily use Experian for credit checks, the specific version isn't it publicly disclosed. A "check your rate" option returning a specific number rather than an "unable to find" message is a positive indicator but indigo credit card not a guarantee of approval. For consolidation, focus on their offered limits and balance transfer options, as these factors determine the suitability of their products for your needs. It is always advisable to contact First Tech directly for the most accurate and up to date information on their policies and application process.

Message 4 of 4
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