First Tech Credit Union Limited products, services and reviews

About First Tech Credit Union Limited

First Tech Credit Union Limited is cited inconsistently across public sources; the closest well‑known name is First Tech Federal Credit Union (a U.S. institution), while the “Limited” suffix typically indicates a non‑U.S. corporate structure and regulatory framework. Clarifying the exact legal name, jurisdiction, and regulator is essential, because membership eligibility, deposit protection, and disclosure standards depend on those details. As a credit union, it would operate on a member‑owned, cooperative basis with a defined field of membership (geographic, employer, or association based); verify how eligibility is established and whether third‑party associations can be used to join. Review the current fee schedule (maintenance, ATM/out‑of‑network, overdraft/NSF, wire, foreign transaction) and dividend/interest disclosures for checking, savings, and term deposits, including minimum balances and early‑withdrawal penalties. For lending, examine rate tiers, underwriting criteria, collateral requirements, fees, and prepayment policies on auto, personal, credit card, and mortgage products. Assess digital capabilities (online banking, mobile apps, mobile deposit, external transfers, bill pay), security controls (multi‑factor authentication, alerts, device management), and customer support hours and channels. Confirm physical branch availability, ATM or shared‑network access, and any surcharges. Validate prudential strength using audited financial statements and key ratios (net worth/capital, loan‑to‑share, delinquency, liquidity), and review complaint patterns from the relevant financial regulator or ombudsman. Finally, confirm the applicable deposit guarantee scheme and coverage limits, noting that U.S. NCUA insurance (if the institution is the U.S. entity) differs from non‑U.S. arrangements.