First Tech Credit Union: Best Credit Union

First Tech Credit Union offers those with low to fair credit access to better rates and minimal fees. Plus, membership requirements aren’t as strict—to qualify you need to sign up to be a member of the Financial Fitness Association or the Computer History Museum and open a savings account with $5. The credit union offers one of the most competitive rates for unsecured personal loans, starting at 7.70%.


  • Applications with co-borrowers allowed
  • No application or origination fees
  • Offers one of the highest maximum loan amounts


  • No prequalification option available when checking initial rates
  • Membership requirements need to be met in order to qualify for a loan
  • More competitive rates can be found elsewhere for those with a higher credit score

Other important information:

  • Maximum/minimum amount you can borrow: $500 to $50,000
  • APR range: 7.70%–18%
  • Fees: None
  • Minimum recommended credit score: 580
  • Other qualification requirements: Applicants need to be the age of majority in their state, and the credit union will also consider their income and debts
  • Repayment terms: 24 to 84 months
  • Time to receive funds: As soon as the next business day
  • Restrictions: Borrowers need to become a member of the credit union

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