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

Tiered savings accounts pay dividends based on your average daily balance . The more you save, the higher your rate. It’s a simple way to earn more without doing more. No monthly maintenance fees Higher balances earn higher dividend rates Funds remain accessible whenever you need them Whether you're saving for a vacation, a new home, or a rainy day, this account helps you build toward your goals with flexibility and ease. Current Rates To view the most up-to-date dividend rates and annual percentage yields (APY), visit our Rates page Helpful Resources Open a Savings Account Digital Banking Overview

How does a savings account work—and how can it help you reach your goals?

A savings account is more than just a place to store money—it’s a powerful tool to help you plan for what’s next. Whether you're saving for a big purchase, building an emergency fund, or preparing for future investments, First Tech savings accounts are designed to support your journey. Key Features Safe and secure : Your money is protected and insured. Liquid and accessible : Funds are available when you need them—no penalties for withdrawals. Flexible access : Transfer funds anytime via Digital Banking , at an ATM, or in a branch. No monthly fees : Keep more of what you save. Tiered dividends : Earn more as your balance grows with accounts like our First Tech Rewards Savings . Tip: Set up automatic transfers from your checking account to build your savings effortlessly. Why It Matters Saving regularly helps you: Prepare for unexpected expenses Achieve short-term goals like travel or home upgrades Build long-term financial stability Helpful Resources Open a Savings Account Digital Banking Overview

What is a Membership Savings Account?

Your journey with First Tech starts here—with your Membership Savings Account . It’s more than just a place to save—it’s your gateway to ownership in a credit union built to help you reach your dreams. As a member of First Tech Federal Credit Union, you’re not just a customer—you’re a co-owner . That means you have a voice, voting rights, and a stake in a not-for-profit financial cooperative that puts people over profits. Opening your Membership Savings Account is simple. It only takes a $5 initial deposit , which represents your share in the credit union. From there, you gain access to all the benefits of membership, including: Competitive savings rates to help your money grow. Secure and insured deposits backed by the NCUA. Digital tools to track your savings and set goals. Member-first service from people who genuinely care. Whether you're saving for something small or planning for something big, your Membership Savings Account is the first step toward financial confidence. Easy Access, Smart Growth Funds are considered liquid , so you can access them anytime without penalties. Use Digital Banking , ATMs, or visit a branch to manage your savings. Earn dividends with accounts like our First Tech Rewards Savings —the more you save, the more you earn. Helpful Resources Open a Savings Account Digital Banking Overview

Core Strength Fund

Savings strategies aren’t one-size-fits-all. Some of us have already established emergency savings accounts, some are just beginning. Your financial situation is unique, and so is your path to building and maintaining an emergency savings.

Savings starters Videos Calculators More answers

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Savings FAQs

Tiered savings accounts pay dividends based on your average daily balance. The more you save, the higher your rate. It’s a simple way to earn more without doing more.

No monthly maintenance fees
Higher balances earn higher dividend rates
Funds remain accessible whenever you need them

Whether you're saving for a vacation, a new home, or a rainy day, this account helps you build toward your goals with flexibility and ease.

Current Rates

To view the most up-to-date dividend rates and annual percentage yields (APY), visit our Rates page

Helpful Resources

A savings account is more than just a place to store money—it’s a powerful tool to help you plan for what’s next. Whether you're saving for a big purchase, building an emergency fund, or preparing for future investments, First Tech savings accounts are designed to support your journey.

Key Features

Safe and secure: Your money is protected and insured.
Liquid and accessible: Funds are available when you need them—no penalties for withdrawals.
Flexible access: Transfer funds anytime via Digital Banking, at an ATM, or in a branch.
No monthly fees: Keep more of what you save.
Tiered dividends: Earn more as your balance grows with accounts like our First Tech Rewards Savings.

Tip: Set up automatic transfers from your checking account to build your savings effortlessly.

Why It Matters

Saving regularly helps you:

Prepare for unexpected expenses
Achieve short-term goals like travel or home upgrades
Build long-term financial stability

Helpful Resources

A savings account is one of the most powerful tools for building financial confidence. Whether you're saving for a short-term goal or planning for the future, First Tech savings accounts offer a secure, flexible way to grow your money.

Why Choose a Savings Account?

Emergency fund: Be ready for the unexpected with quick access to cash.
Big purchases: Save for travel, a new car, or home upgrades.
Future investments: Build a foundation for retirement or education planning.
Peace of mind: Your money is safe, insured, and always within reach.

Security You Can Count On

All First Tech savings accounts are insured by the National Credit Union Administration (NCUA) up to $250,000 per member. The NCUA’s Share Insurance Fund is backed by the full faith and credit of the U.S. government—meaning your savings are protected.

No member has ever lost a penny of insured savings at a federally insured credit union.

Easy Access, Smart Growth

Funds are considered liquid, so you can access them anytime without penalties.
Use Digital Banking, ATMs, or visit a branch to manage your savings.
Earn dividends with accounts like our First Tech Rewards Savings—the more you save, the more you earn.

Helpful Resources

Your journey with First Tech starts here—with your Membership Savings Account. It’s more than just a place to save—it’s your gateway to ownership in a credit union built to help you reach your dreams.

As a member of First Tech Federal Credit Union, you’re not just a customer—you’re a co-owner. That means you have a voice, voting rights, and a stake in a not-for-profit financial cooperative that puts people over profits.

Opening your Membership Savings Account is simple. It only takes a $5 initial deposit, which represents your share in the credit union. From there, you gain access to all the benefits of membership, including:

Competitive savings rates to help your money grow.
Secure and insured deposits backed by the NCUA.
Digital tools to track your savings and set goals.
Member-first service from people who genuinely care.

Whether you're saving for something small or planning for something big, your Membership Savings Account is the first step toward financial confidence.

Easy Access, Smart Growth

Funds are considered liquid, so you can access them anytime without penalties.
Use Digital Banking, ATMs, or visit a branch to manage your savings.
Earn dividends with accounts like our First Tech Rewards Savings—the more you save, the more you earn.

Helpful Resources