First Tech Terms and Conditions

Terms and Conditions

First Tech Referral Program

Rate will be determined based on the applicant's credit history and final loan terms. Participation in this promotion is not a commitment to lend or extend credit. All loans are subject to credit approval. Please refer to our Rate Sheet for current rates and account offerings. The Rate Sheet may be obtained at a branch or online at

Membership with First Technology Federal Credit Union (Credit Union) is required and subject to approval. Opening a Membership Savings Account with a deposit of $5.00 is required prior to opening any other type of accounts. Members must be at least 18 years old to participate in the First Tech Student Loan Refinance referral program (Program). Interest rate and program terms are subject to change without notice. Additional restrictions may apply. Eligibility depends on the school of graduation and degree .The school must be Title IV eligible, non-profit, and offer Bachelors, Masters, and/or Doctorate degrees. Title IV refers to the Higher Education Act. A Title IV school is an institution that processes U.S. federal student aid.

By participating in the Program, the applicant (Friend) will be aware that the referrer (Advocate) is a member of the Credit Union, and the Advocate may become aware of whether or not the Friend becomes a member.

Referral offer is valid for members and accounts opened at Credit Union locations or Available on personal accounts only. Credit Union employees are ineligible. Advocates will receive one $100 reward per qualified Student Loan Refinance loan application. Each Advocate is limited to an annual referral bonus total of $1,000. Advocates must have been members of the Credit Union for at least 30 days before referring others through this promotion. Friends are limited to one $100 reward and reward is not available in combination with other new member offers. To qualify for the $100 reward, the referred member must establish membership and Student Loan Refinance product which must be approved and funded. First Tech will deposit the bonuses into the Membership Share Accounts of both parties within 30 days of the Friend meeting the promotion requirements. For new members referred, the reward is considered interest and may be reported on IRS form 1099-INT. For existing members referring new members, reward amounts may be reported on IRS form 1099-MISC.

This offer is nontransferable and is only available to members of First Tech Federal Credit Union. First Tech Federal Credit Union reserves the right to modify or amend at any time these Terms and Conditions and the methods through which rewards are earned. Terms and conditions may apply.

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