Earn Earn 4.00% Annual Percentage Yield (APY)4.00% APYAPY = Annual Percentage Yield. Rates effective as of <span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=1f3cf8b3-f69a-4b67-92b3-0794ecbd882d"> 02/01/2026</span>. 6-month term required to obtain the advertised APY. $500 minimum balance required. Upon maturity, the account will automatically convert to a new share certificate with the rate offered at the time of conversion for the standard 6-Month traditional Share Certificate account. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce account earnings.
Your money deserves better than big bank low rates. Move moneyEligible only for funds not currently or previously held in a First Tech Federal Credit Union account at the time of this offer. Funds must be deposited from a source outside First Tech; transfers between First Tech accounts or its affiliates will not qualify for this promotional rate. to First Tech and earn more.
Don’t settle for below average rates.
Our certificates deliver highly competitive APYs, giving you higher rates when compared to banks and other credit unions. Earn a market-leading 4.00% APYAPY = Annual Percentage Yield. Rates effective as of <span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=1f3cf8b3-f69a-4b67-92b3-0794ecbd882d">
02/01/2026</span>. 6-month term required to obtain the advertised APY. $500 minimum balance required. Upon maturity, the account will automatically convert to a new share certificate with the rate offered at the time of conversion for the standard 6-Month traditional Share Certificate account. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce account earnings.
with our 6-Month Promo Certificate.
CERTIFICATE APY COMPARISON CHARTRates as of 1/2/2026 as published on bank websites, including Bank of America Fixed-Term Certificate of Deposit (CD), Chase CD, Wells Fargo Standard Fixed Rate CD
Smart money move: Added flexibility with a 13-month certificate
Earn Earn 3.90% Annual Percentage Yield (APY)3.90% APYAPY = Annual Percentage Yield. Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=bc5885f7-43ba-4cac-84d4-766fea7f16d0"> 02/01/2026</span></span>. 13-month term required to obtain the advertised APY. $500 minimum balance required. Upon maturity, the account will automatically convert to a new share certificate with the rate offered at the time of conversion for the standard 13-Month bump up Share Certificate account. You may choose to:<br> • Add funds (balance bump): One (1) additional deposit up to the amount at the start of the term. <br> • Change rates (rate bump): Switch to the current rate for the same-term certificate. The new rate applies from that day forward. <br> Bump Ups are available after the Rate Guarantee period ends and may occur once per term. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce account earnings. with our 13-Month Bump Up Promo Certificate
Benefits include:
Keep your current rate for the full term
Add more money during certificate term
Enjoy peace of mind while others chase falling rates
Benefits of a certificate from First Tech:
Fixed APY for the term of your certificate
Open with as little as $500 with no deposit limits
No account set-up fees or maintenance fees
Secure Savings that are federally insured with the NCUA up to $250,000
Bump up certificates allow you to add funds once per term to grow your balance
10-day rate guaranteeRate Guarantee: Starting on your account opening date or maturity date and extending for 10 calendar days, if your Share Certificate Account reaches the minimum deposit threshold, you will receive the highest published dividend rate and APY we offer for the term and balance tier of your account during that period. : Ensures your rate won’t drop while you add funds