First Tech Federal Credit Union personal loans: APR, fees and requirements
What First Tech Federal Credit Union publishes about its personal loans (from 11.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Credit union |
|---|---|
| APR range | From 11.99% |
| Loan amounts | $500 to $50,000 |
| Repayment terms | 24 to 60 months |
| Origination fee | Varies; check the lender's rates and terms |
| Minimum credit score | Not published |
| Membership | Yes: 'Membership is required and subject to approval.' |
| Availability | Amount limits by term: 24 and 36 months $500/$35,000; 48 months $5,000/$35,000; 60 months $10,000/$50,000. |
How the lender states its rates: “Fixed-Rate Personal Loan: 'As low as 11.99%' APR for 24, 36, 48 and 60 months. Effective Date: 10/01/2026.”
How the starting rate compares
The lowest advertised APR, 11.99%, ranks 30 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
Alliant Credit Union
Credit union
- APR
- From 9.49%
- Loan amounts
- $1,000 to $100,000
- Origination fee
- None
Navy Federal Credit Union
Credit union
- APR
- 8.74% to 18.00%
- Loan amounts
- $250 to $150,000
- Origination fee
- None
Patelco Credit Union
Credit union
- APR
- 6.99% to 17.90%
- Loan amounts
- $300 to $100,000
- Origination fee
- None
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. firsttechfed.com/borrow/personal-loans · firsttechfed.com/rates/loans