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Share Certificates

Promotional CertificatesEligible 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.

Move money to First Tech and lock in a great rate that protects against market volatility. With share certificates, you can earn top-tier returns without taking on unnecessary risk. These low-risk investments from First Tech are easy to open and renew. As a bonus, there are no account setup or maintenance fees.

Promotional 6-month Share Certificate

Earn 4.00% Annual Percentage Yield (APY) APY = Annual Percentage Yield. Rates effective as of&nbsp;<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.

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Promotional 13-month Bump Up Share Certificate

Earn 3.90% Annual Percentage Yield (APY) APY = 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> &nbsp;&nbsp;• Add funds (balance bump): One (1) additional deposit up to the amount at the start of the term. <br> &nbsp;&nbsp;• 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.

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Bump Up Certificates

13-month Bump Up Share Certificate

Earn 3.55% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 02/01/2026</span></span>. 13-month term required to obtain the advertised APY. $500 minimum balance required. APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=c93e0bda-1902-46ec-bd18-85736d49be55"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.45%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances between $500 - $99,999.99, <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=e8692eb4-cc17-401d-93ce-816b30763194"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.55%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances $100,000+. You may choose to:<br> &nbsp;&nbsp;&bull; Add funds (balance bump): One (1) additional deposit up to the amount at the start of the term. <br> &nbsp;&nbsp;&bull; 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.

Apply Now

24-month Bump Up Share Certificate

Earn 3.15% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 02/01/2026</span></span>. 24-month term required to obtain the advertised APY. $500 minimum balance required. APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=2f2c33eb-4b76-420d-adb5-61a7ebc32c45"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.00%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances between $500 - $99,999.99, <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=520c9523-3d83-4bdc-abf1-30e76dd1c36b"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.15%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances $100,000+. You may choose to:<br> &nbsp;&nbsp;&bull; Add funds (balance bump): One (1) additional deposit up to the original amount deposited at the start of the term. <br> &nbsp;&nbsp;&bull; 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 12-month window (e.g. a balance bump in month 11 and in month 13). All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce account earnings.

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36-month Bump Up Share Certificate

Earn 3.15% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 02/01/2026</span></span>. 36-month term required to obtain the advertised APY. $500 minimum balance required. APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=d0047329-fa6f-4ec2-91d6-e7090f6c1fe3"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.00%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances between $500 - $99,999.99, <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=e235f517-97ae-4551-b71f-b5acc3ff07bf"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.15%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances $100,000+. You may choose to:<br> &nbsp;&nbsp;&bull; Add funds (balance bump): One (1) additional deposit up to the original amount deposited at the start of the term. <br> &nbsp;&nbsp;&bull; 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 12-month window (e.g. a balance bump in month 11 and in month 13). All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce account earnings.

Apply Now

Traditional Certificates

6-month Share Certificate

Earn 3.60% Annual Percentage Yield (APY) APY=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=1f3cf8b3-f69a-4b67-92b3-0794ecbd882d"> 02/01/2026</span></span>. 6-month term required to obtain the advertised APY. $500 minimum balance required. APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=b976368e-8967-477c-99ab-ee02a0b00b67"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.50%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances between $500 - $99,999.99, <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=bf79664d-a2ca-4e2a-a148-f29bda2980f7"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.60%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances $100,000+. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce account earnings.

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60-month Share Certificate

Earn 3.40% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=52e22c43-c116-40d8-aaa9-02d019e50cc7"> 02/01/2026</span></span>. 60-month term required to obtain the advertised APY. $500 minimum balance required. APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=aff9d294-29ad-4bc9-9a6d-9e8ee42a65d1"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.25%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances between $500 - $99,999.99, <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=351b0d72-607e-43bc-a0ef-8afe13d20031"> <span class="rate-prefix">Earn</span> <span class="rate-link">3.40%</span> <span class="rate-type">Annual Percentage Yield (APY)</span> </span></span>&nbsp; on balances $100,000+. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce account earnings.

Apply Now

Types of Share Certificates: Find Your MatchMembership is required and subject to approval.

At First Tech, you can choose from a wide variety of certificates to find a term that fits your investment goals. You can also use a share certificate ladder to spread your investment across multiple certificates with different terms.

Traditional 6 and 60-Month Share Certificates

At First Tech, you can choose from a wide variety of certificates to find a term that fits your investment goals. You can also use a share certificate ladder to spread your investment across multiple certificates with different terms.

Traditional certificates terms range from 6 and 60-month, providing flexibility for you and your investment goals.

This option could be a great choice if you:

  • Want a high-yield account with low-risk
  • Have at least $500 to invest
  • Prefer a hands-off approach to savings

Bump-Up Share Certificates

If you want the security of a certificate but think interest rates might rise, First Tech’s bump-up certificates could be your ideal investment match. Our bump-up certificates are available in terms ranging from 13 to 36 months. Should rates rise before your certificate matures, you’ll be rewarded with a higher interest rate for the duration of your term.

Bump up certificates are a great choice for:

  • Flexible Rate and Balance options: Enjoy the ability to increase your rate or balance during the term, giving you more control over your investment.
  • Low-Risk Investment: A safer alternative to the stock market, providing peace of mind while growing your savings
  • Hands-Off Savings: Perfect for those who prefer a straightforward approach to savings to money.

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. 

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

open 6-month certificate open 13-month certificate

Benefits of a certificate from First Tech

Fixed APY

Fixed APY for the term of your certificate

deposit limits

Open with as little as $500 with no deposit limits

Maintenance Fees

No account set-up fees or maintenance fees

Secured Savings

Secure Savings that are federally insured with the NCUA up to $250,000

add funds

Bump up certificates allow you to add funds once per term to grow your balance

10-day

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

COMPARE RATES
certificate 101

Share Certificates 101

Saving money? In this economy?
Yep. Absolutely. 

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Frequently Asked Questions

A minimum of $500 is required and there is no maximum. Check out our Bump Up certificates for the option to add even more money during your term.

Current members can use the ‘Open a New Account’ option in digital banking to open a new Share Certificate online. Not a member yet? Apply here or learn more about banking with us.

Rates can vary depending on the term of the certificate. Click link below to view First Tech’s competitive rates.

View our share certificate rates.

First Tech offers share certificates for our members which are very similar to CDs. Both are designed to grow savings faster in exchange for a commitment not to withdraw the funds before the end of the term. If such a withdrawal occurs, it will be subject to penalties.

Learn more about share certificates and how they can help you reach your savings goals.

When you open a certificate, you get a 10 calendar day Rate Guarantee Period. Here’s how it works:

  • You can make multiple deposits during the 10 day window.
  • All funds posted by day 10 count toward your final balance and jumbo rate tier eligibility.
  • After day 10, your certificate locks in the highest rate offered for your term during those 10 days.
  • Deposits made after the 10 day period would be considered a bump up for eligible products. 

You can add funds by: 
       o Submitting a request in online banking  
       o Contacting us 

 

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