Definitive Guide to First Tech Credit Union Definitive Guide to First Tech Credit Union

Definitive Guide to First Tech Credit Union

This is going to be the home of all the data points and information we can possibly gather from all over the internet on First Tech Credit Union (FCU) credit cards. FCU is a very conservative credit union (this is actually quite common), however they offer some great cards and line of credit options. The site is a bit odd to navigate as it seems like they have things kinda hidden for certain cards/offers, but they do also offer a business debit and credit card even though its hard to find.

First Tech Credit Card Datapoints

  • Hard pull Experian for membership (checking/savings accounts)
  • Will deny you if you opened another checking account recently
  • Pulls Chex Systems
  • They ask for POI and may even pull all 3 bureaus, very sensitive to new accounts and overall credit amount NOT FICO, like 1x your income in credit is no go(paystub, W-2, SSN, CDL and a utility bill)
  • Very conservative
  • 1 HP per 30 days but best to not use it on 2-CC instead CC and LOC or loan product
  • Must have GOOD credit score or higher for best rate/best card options
  • Pre-approval isn’t very accurate again income to TCL is very important
  • They requested POI to be sent as an attachment via email (not very secure)

Video: First Tech Credit Cards Review

First Tech Credit Union Consumer Credit Cards

Credit CardSign up bonus (SUB)Regular APRCashbackAnnual FeeCredit LimitsDatapoints
Odyssey Rewards World Elite Mastercard0.00% introductory APR for the first 12 billing statements6.99% to 18.00%
BT 6.99% to 18.00%
Earn 3 points on travel
Earn 2 points on dining
Earn 1 point on all other purchases
1st year free, then $75$25,000 / $100,000
Choice Rewards World Mastercard0.00% introductory APR for the first 12 billing statements8.25% to 18.00%
BT 8.25% to 18.00%
Earn 2 points on gas, grocery, household goods, electronics and telecom purchases
Earn 1 point on all other purchases
$0$10,000 / $35,000742 FICO $10k limit
Platinum Rewards Mastercard0.00% introductory APR for the first 12 billing statements7.99% to 18.00%
BT 7.99% to 18.00%
1 point per $1$0$500 / $25,000
Platinum Mastercard0.00% introductory APR for the first 12 billing statements6.99% to 18.00%
BT 6.99% to 18.00%
$0$500 / $25,000689 FICO $5k @14.99%
Platinum Secured Mastercard9.00% to 18.00%$0$500 / $25,000

First Tech Business Credit Card & Debit Card

They offer a business credit card and debit card but finding the cards and the applying is quite difficult. First go here to even see the business credit card mentioned but when you click on the learn more button it takes you to a PDF breaking down the benefits for the debit card. So it seems like either the product isn’t open to the public anymore (was offered in the past) or its only offered once you setup other accounts like business checking account maybe.

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