Personal Savings Accounts: Review & Open Online

Savings Accounts

Secure your membership

Every First Tech journey begins with a Membership Savings Account.

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Earn more rewards

Get Earn up to 3.00% Annual Percentage Yield (APY)3.00% APYFirst Tech Rewards Savings®: Rates effective as of 05/01/2025. Rate may change after the account is opened. Qualified APY is Earn up to 3.00% Annual Percentage Yield (APY)3.00% . Non-Qualified APY is Earn up to 0.01% Annual Percentage Yield (APY)0.01% . $25 minimum opening deposit. Terms and conditions apply. Fees could reduce the earnings on the account. plus cash backRebates: All loans, home equity lines of credit (HELOCs), credit cards, and First Tech Rewards Savings accounts must have the same primary account owner as the qualifying First Tech Rewards Checking. Only the first qualifying FTRC can receive cash back if more than one FTRC has the same primary account owner. 0.50% cash back on minimum scheduled payment amount made from a First Tech account to First Tech consumer loans, mortgage loans and home equity lines of credit up to $15 per month. 1.00% cash back on all posted First Tech credit card purchases, up to $30 per month. Reimbursement of any out-of-network U.S. ATM fees, up to $10 per month for each FTRC owned by the primary account owner. Rebates will be received when qualifications are met and posted within three (3) business days after the end of the calendar month. with a First Tech Rewards Savings® account.

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Help your kids save

Teach your kids to manage their money while they're young with our Start Up Savings Account.

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A trusted partner in your journey

First Tech doesn’t just offer financial products and services we — empower our members. We align with the values of the tech industry to support our members in building wealth and achieving their goals. Experience the difference of a credit union built for innovators.

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Frequently Asked Questions

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Money deposited in a savings account is meant to be stashed away and not withdrawn regularly.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 sometime down the road. Money in a savings account is considered a liquid asset, meaning you can access it easily and without a 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 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.

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. Like 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.

Savings calculator

How much will my savings be worth?

Become a member

Join a credit union that supports the tech community

Choose the account you’re interested in

Fill out an application, which may require you to share sensitive information for legal requirements.
Review the fine print

Read and accept the legal disclosures required for membership.
You’re in!

Start setting up your accounts and enjoying the perks of First Tech membership.