Why choose a credit union
| Credit Unions | Banks | First Tech Advantage | |
|---|---|---|---|
| Business Structure | Not-for-profit, financial cooperative with volunteer board members | For-profit financial company with paid board members | You are an owner |
| Eligibility | Membership is limited to groups of people based on an affiliation | Everyone | We specialize in meeting your unique needs |
| Access | CUs partner to offer comparable branch/ATM access nationwide | ATM and branch networks vary | CUs work together to give you greater access |
| Fees, Incentives and Rates | Typically offers lower fees and loan rates, and higher deposit rates | Often charges more expensive fees, higher loan rates and pays lower deposit rates | As a not-for-profit organization, we save members more |
| Deposit Insurance | Funds are insured to at least $250,000 by NCUA | Funds are insured to at least $250,000 by FDIC | Equal benefit |
Products and services
Comprehensive product suite leads to member savings
 Bank |
 Borrow |
 Insure1 |
 Invest2 |
|---|---|---|---|
1Insurance products offered through First Tech Insurance Services, a wholly-owned subsidiary of First Tech Federal Credit Union.
2Registered address: 1011 Sunset Blvd, Rocklin, CA 95765 | 855.744.8585
Financial Advisors offer securities through Raymond James Financial Services, Inc. Member FINRA/SIPC and securities are not insured by credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. First Tech Federal Credit Union and Addison Avenue Investment Services are not registered broker/dealers and are independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.
Raymond James Financial Advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.
Calculate your potential savings
Financial and retirement planning
 A Personalized Approach for Your Future At Addison Avenue Investment Services, we know there’s no one-size-fits-all solution when it comes to managing your finances. By taking a look at where you are, we can better understand where you want to be. That’s why we partner with members like you every day. Our Financial Advisors have a diverse background in the financial industry, specifically in working with employees from more than 500 tech-focused companies. Our key areas of expertise include, but are not limited to: Our Areas of Expertise
*For specific tax advice, please consult a tax professional.
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Financial wellness resources
The financial decisions you make today can have a long-term impact on your life. We offer tools to help you make the best decisions for you and your family.
| Financial Wellness Center | Financial Calculators |
|---|---|
| Online learning module topics include: | Determine what it takes to reach your goals: |
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Online Banking with :
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Find nearby branches and ATMs
Consultation request
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1Registered address: 1011 Sunset Blvd, Rocklin, CA 95765 | 855.744.8585
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