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"> 01/06/2026</span>. 6-month term required to obtain the advertised APY. $500 minimum balance required. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account. Upon maturity, the account will automatically convert to the rate offered for the traditional share certificate account with the same or comparable term.
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 (First Tech) or Digital Federal Credit Union (DCU) account at the time of this offer. Funds must be deposited from a source outside First Tech and DCU; transfers between First Tech accounts, DCU accounts or their 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">
01/06/2026</span>. 6-month term required to obtain the advertised APY. $500 minimum balance required. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account. Upon maturity, the account will automatically convert to the rate offered for the traditional share certificate account with the same or comparable term.
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 3.90% APYRates effective as of 1/6/2026. 13-month term required to obtain the advertised APY. $500 minimum balance required. The maximum amount you can deposit is up to the original amount of the certificate at the start of the current term. You have the option once to exchange the dividend rate for a new dividend rate that is currently offered on the same term share certificate. You have the option once per term to make one (1) additional deposit. Membership is required and subject to approval. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account. Upon maturity, the account will automatically convert to the rate offered for the traditional share certificate account with the same or comparable term. 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:
Federally insured with the NCUA up to $250,000
