Certificate Frequently Asked Questions

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.

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.

Only bump-up certificates allow for a rate increase during their term, otherwise the rate is locked for the maturity period.

A bump-up certificate allows you the opportunity to increase the rate on your certificate. You may make one or more additional deposits as applicable based on the length of the term. Please note: the 6-month and 60-month certificates do not have bump-up options.

See complete disclosures and today's certificate rates.

Laddering certificates is a great way to earn the best rates possible and allows you to control the terms while getting the liquid availability you need.

For example, instead of opening a single 5-year certificate for $40,000, open 4 certificates for $10,000 each for different terms: 13 months, 24 months, 3 years, and 5 years. This way, as each certificate matures, you can either use the funds you need or renew it to another term.

Check out our certificate ladder calculator for more information.

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.

Yes, funds deposited with us are federally insured up to $250,000 by the National Credit Union Administration (NCUA).