Savings Accounts

Simple savings solutions that work in your favor.Membership is required and subject to approval.

First Tech Rewards Savings

Earn up to 3.00% Annual Percentage Yield (APY) Rates effective as of 04/01/2025. Rate may change after the account is opened. Qualified APY is Earn up to 3.00% Annual Percentage Yield (APY) . Non-Qualified APY is Earn up to 0.01% Annual Percentage Yield (APY) . $25 minimum opening deposit. Terms and conditions apply. Fees could reduce the earnings on the account.

Helps you make the most of your money—simply.

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Membership Savings

Earn up to 0.01% Annual Percentage Yield (APY) Rates effective as of 04/01/2025. Rate may change after the account is opened. $5 minimum opening deposit. No minimum balance required to obtain the advertised APY. Fees could reduce the earnings on the account.

Benefit from credit union membership.

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Find the credit union savings account that’s right for you.

All our savings options come with special perks and benefits you’re sure to enjoy. See which one is the best for your lifestyle and financial goals.

First Tech Rewards Savings

Membership Savings

Earns Annual Percentage Yield Up To Rates effective as of 04/01/2025. Rate may change after the account is opened. Qualified APY is Earn up to 3.00% Annual Percentage Yield (APY) . Non-Qualified APY is Earn up to 0.01% Annual Percentage Yield (APY) . $25 minimum opening deposit. Terms and conditions apply. Fees could reduce the earnings on the account. , Rates effective as of 04/01/2025. Rate may change after the account is opened. APY is Earn up to 0.15% Annual Percentage Yield (APY)  on balances between $0.01 - $99,999.99, Earn up to 0.25% Annual Percentage Yield (APY)  on balances between $100,000 - $249,999.99 and Earn up to 0.30% Annual Percentage Yield (APY)  on $250,000 and above. $25 minimum opening deposit. No minimum balance required to obtain the advertised APY. Fees could reduce the earnings on the account. , Rates effective as of 04/01/2025. Rate may change after the account is opened. $5 minimum opening deposit. No minimum balance required to obtain the advertised APY. Fees could reduce the earnings on the account.

Earn up to 3.00% Annual Percentage Yield (APY)

Earn up to 0.01% Annual Percentage Yield (APY)

Minimum to open

$25

$5

Monthly account fee

$0

Tiered dividend rates

-

Dividends compounded and credited monthly

Free Online Banking

Free Mobile Banking with e-Deposits

Optional free overdraft transfers

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Benefits	First Tech Rewards Savings	Membership Savings
Earns Annual Percentage Yield Up To Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=398cf174-1b8f-471f-aaba-e7d337955071"> 04/01/2025</span></span>. Rate may change after the account is opened. Qualified APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=81560398-9d53-41fd-86af-fa0b18868b0a"> <span class="rate-prefix">Earn up to</span> <span class="rate-link">3.00%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>. Non-Qualified APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=671387e7-935a-4dfa-92a8-c6314a966eb5"> <span class="rate-prefix">Earn up to</span> <span class="rate-link">0.01%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>. $25 minimum opening deposit. Terms and conditions apply. Fees could reduce the earnings on the account. , Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=398cf174-1b8f-471f-aaba-e7d337955071"> 04/01/2025</span></span>. Rate may change after the account is opened. APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=470835f6-d5f4-4671-a83b-c7d2b7a6d201"> <span class="rate-prefix">Earn up to</span> <span class="rate-link">0.15%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span> on balances between $0.01 - $99,999.99, <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=68e2cea0-d293-4447-a22b-76f7b19498a8"> <span class="rate-prefix">Earn up to</span> <span class="rate-link">0.25%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span> on balances between $100,000 - $249,999.99 and <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=97b87300-d1cf-4dd5-89e3-f38715ad3b3a"> <span class="rate-prefix">Earn up to</span> <span class="rate-link">0.30%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span> on $250,000 and above. $25 minimum opening deposit. No minimum balance required to obtain the advertised APY. Fees could reduce the earnings on the account. , Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=398cf174-1b8f-471f-aaba-e7d337955071"> 04/01/2025</span></span>. Rate may change after the account is opened. $5 minimum opening deposit. No minimum balance required to obtain the advertised APY. Fees could reduce the earnings on the account.	Earn up to 3.00% Annual Percentage Yield (APY)	Earn up to 0.01% Annual Percentage Yield (APY)
Minimum to open	$25	$5
Monthly account fee	$0	$0
Tiered dividend rates	Yes	-
Dividends compounded and credited monthly	Yes	Yes
Free Online Banking	Yes	Yes
Free Mobile Banking with e-Deposits	Yes	Yes
Optional free overdraft transfers	Yes	Yes
CTA	CTA Open an Account Learn More	CTA Open an Account Learn More

Benefits you’ll enjoy with our personal savings accounts.

Direct Deposit

Set-up your paycheck to deposit direct into your account. It will be less errand for you to check off your list.

Mobile Banking

Download our free Mobile Banking App and you'll have a branch at your finger tips.

Security

Enjoy peace of mind knowing that deposits are insured to $250,000 by the NCUA.

Alerts

We'll let you know when checks clear, a transaction is complete and more. Set-up your preferences and stay in the know.

E-Statements

Receive your monthly statement securely and conveniently online.

Access

Get instant access to your savings with Online and Mobile Banking and at over 6,800 shared branches.

Access your accounts anytime, anywhere.

Log in online or download our Mobile App. It's your money, we'll keep you connected.

Complete transactions

Transfer funds between First Tech accounts
Deposit checks with e-deposit
Check account balances

Find First Tech branches

Search for a nearby branch
Look up hours and directions

Locate a surcharge-free ATM

Locate a CO-OP Network ATM near you. There are over 30,000 surcharge free ATMs across the U.S.

Learn more

Savings calculators for you.

Use our financial calculators for help you determine what will take you to reach your savings goals.

What will it take to become a millionaire?

How much will my savings be worth?

Frequently asked questions...

How do tiered savings accounts work and what are your current rates?

Tiered savings accounts, like our Instant Access Savings, earn different dividend rates based on the average daily balance. The more money you deposit, the higher dividend rate you earn. Combine that with no monthly fees and you have one great way to save.

How does a savings account work?

Money deposited in a savings account is meant to be stashed away and not withdrawn regularly. Think of these accounts as a safe place to hold money for future use like a large purchase, in case of emergency, or an investment some time down the road. Money in a savings account is considered a liquid asset, meaning you can access it easily and without penalty. To access these funds you can visit one of your financial institution’s locations or log in to digital banking to transfer it. You may also access it with a debit or ATM card linked to the account.

What is a savings account best for?

A savings account is a basic deposit account held at a financial institution that provides the account holder interest. Unlike a checking account, savings accounts are not meant to be drawn upon for regular daily expenses. Similar to checking accounts, savings accounts allow consumers to deposit cash to safe places that are often federally insured by NCUA or FDIC. First Tech deposit accounts are insured by NCUA or the National Credit Union Administration. The NCUA’s Share Insurance Fund has the backing of the full faith and credit of the United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union. Depositing your money at an FDIC or NCUA insured financial institution also means you don’t risk cash on hand being lost or stolen.

What is my Membership Savings Account?

As a member of First Tech Federal Credit Union, you can take pride in knowing that First Tech, a not-for-profit financial cooperative, is your partner. You can also take pride in the fact that every First Tech member is an owner, with voting rights. Every member starts their journey with a Membership Share Savings account that represents their membership in the Credit Union. This savings account requires an initial deposit of $5.