The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 5 points (58 → 53), mostly because the earnings component weakened by 22 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in California

Yes. First Technology Federal Credit Union is a federally insured credit union (NCUA charter #23521). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.5% of shares and deposits ($2.5B) are above the $250,000 NCUA insurance limit, close to the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 10.75%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

First Technology Federal Credit Union lists 16 offices in 13 cities across 4 states. Most locations:

• Marlborough, MA (3)
• Worcester, MA (2)
• Acton, MA (1)
• Andover, MA (1)
• Colorado Springs, CO (1)
• Framingham, MA (1)
• Franklin, MA (1)
• Manchester, NH (1)
• Nashua, NH (1)
• Santa Rosa, CA (1)
• Tyngsboro, MA (1)
• Waltham, MA (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 1,389 consumer complaints about FIRST TECHNOLOGY FEDERAL CREDIT UNION / First Technology Federal Credit Union to the company (512 in the last 12 months). 99.8% received a timely response. That is 57.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, First Technology Federal Credit Union reported 5,946 home-loan applications under HMDA (LEI 549300Q02LGIN9AXKP98): 4,168 originated ($1,553,040,000 total), 861 denied, and 402 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Technology Federal Credit Union

Type

Federal credit union

NCUA charter #

23521

RSSD ID

483386

Primary regulator

NCUA

Established

1979

Headquarters

2890 Zanker Rd, Ste 120, San Jose, CA 95134

Employees

3,469