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First Tech Routing #321180379
Rates & Fees

Personal Accounts

Explore First Tech Federal Credit Union's Personal Accounts rates, offering competitive savings account interest rates, checking account interest rates, share certificate rates, and transparent credit union fees to help you maximize your finances.

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Checking

Effective Date: 07/01/2025
  • No minimum Average Daily Balance to avoid fee
  • Dividend compounded & credited monthly (except Carefree Checking - N/A)
  • Monthly dividend period (except Carefree Checking - N/A)
  • Please refer to the Fee Schedule, hereby incorporated by reference, for a list of all applicable fees.
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Balance Range Min. Opening Balance Dividend Rate Annual Percentage Yield 1 Apply
Carefree Checking 2 $10.00 0.00% 0.00%
First Checking Plus 3 $10.00 0.00% 0.00%
Start Up Checking $10.00 0.00% 0.00%
HSA Checking 4 $10.00 1.00% 1.00%
First Tech Premier Rewards Checking $10.00 0.00% 0.00%
First Tech Rewards Checking (Qualified Rate)
All Balances $10.00 0.01% 0.01%
First Tech Rewards Checking (Non-Qualified Rate)
All balances $10.00 0.00% 0.00%
Dividend Rewards Checking (Qualified Rate) 5
$0.01 - $10,000.00 N/A 1.98% 2.00%
$10,000.01 + N/A 0.05% 0.05%
Dividend Rewards Checking (Non-Qualified Rate) 5
All balances N/A 0.00% 0.00%
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Savings

Effective Date: 07/01/2025
  • No minimum Average Daily Balance to avoid fee
  • Dividend compounded & credited monthly
  • Monthly dividend period
  • Please refer to the Fee Schedule, hereby incorporated by reference, for a list of all applicable fees.
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Balance Range Min. Opening Balance Dividend Rate Annual Percentage Yield 1 Apply
Membership Savings $5.00 0.01% 0.01%
Carefree Savings 2 $25.00 0.01% 0.01%
Start Up Savings
$0.01 - $999.99 $25.00 3.93% 4.00%
$1,000.00 + $25.00 0.05% 0.05%
Instant Access Savings 6
$0.01 - $99,999.99 $25.00 0.10% 0.10%
$100,000 - $249,999.99 $25.00 0.15% 0.15%
$250,000 + $25.00 0.20% 0.20%
First Tech Premier Rewards Savings $25.00 3.68% 3.75%
First Tech Rewards Savings (Qualified Rate)
All Balances $25.00 2.96% 3.00%
First Tech Rewards Savings (Non-Qualified Rate)
All balances $25.00 0.01% 0.01%
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Traditional Share Certificates

Effective Date: 07/09/2025
  • Please refer to the Fee Schedule, hereby incorporated by reference, for a list of all applicable fees.
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Min. Opening Balance Dividend Rate Annual Percentage Yield 1 Apply
6-Month $500.00 3.10% 3.15%
12-Month 7 $500.00 3.05% 3.10%
24-Month 7 $500.00 1.34% 1.35%
36-Month 7 $500.00 1.34% 1.35%
60-Month $500.00 2.81% 2.85%
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Bump Up Share Certificates

Effective Date: 07/09/2025
  • Please refer to the Fee Schedule, hereby incorporated by reference, for a list of all applicable fees.
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Min. Opening Balance Dividend Rate Annual Percentage Yield 1 Apply
13-Month Bump Up $500.00 3.05% 3.10%
24-Month Bump Up $500.00 2.71% 2.75%
36-Month Bump Up $500.00 2.71% 2.75%
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1 = Annual Percentage Yield. Rates may change after account opening.

2 = Carefree Checking and Carefree Savings. Existing accounts only. Product is not currently offered for new accounts or account conversions.

3 = First Checking Plus. Existing accounts only. Product is not currently offered for new accounts or account conversions.

4 = HSA Checking. Existing accounts only. Product is not currently offered for new accounts or account conversions.

5 = Dividend Rewards Checking. Existing accounts only. Product is not currently offered for new accounts or account conversions.

6 = Instant Access Savings. Existing accounts only. Product is not currently offered for new accounts or account conversions

7 = 12-Month, 24-Month and 36-Month Traditional Share Certificates. Existing accounts only. Product is not currently offered for new accounts or account conversions.

Notice and Summary of Changes for Disclosures

Notice and Summary of Changes for First Technology Federal Credit Union Disclosures

Notice Date: June 30, 2025

At First Technology Federal Credit Union (“First Tech”), we’re dedicated to making banking simpler for our members. We’ve recently reviewed and revised some of our account disclosures to enhance clarity and simplify language. While our fundamental approach to service remains unchanged, we’ve identified a few specific adjustments outlined below. These updates are designed to benefit our entire membership and deliver the highest standard of member experience.

By continuing to maintain accounts with First Tech you are agreeing to the terms and conditions of the Funds Availability Policy and Truth in Savings Disclosure for Term Share Certificate Accounts.

Disclosures can also be viewed on our website at www.firsttechfed.com/help/disclosures-and-privacy-notice.

Applicable Disclosures

This Notice and Summary of Changes is applicable to the following disclosures:

  • Funds Availability Policy
  • Truth in Savings Disclosure for Term Share Certificate Accounts

Summary of Changes to the Funds Availability Policy
Effective Date: July 1, 2025

Language added to the Funds Availability Policy includes the updated Reg CC increased limits for funds availability.

The following changes were made to Section 1. Your Ability to Withdrawal Funds.

  1. Language revised on Paragraph 1 to adjust the amount of immediate funds available after deposit, from $225 to $275.

The following changes were made to Section 2. Longer Delays May Apply

  1. Language adjusted in Paragraph 3 to revise the total daily limit of deposits that may constitute longer delays. Total daily limit changed from $5,525 to $6,725.

The following changes were made to Section 3. Special Rules for New Accounts

  1. Language adjusted in Paragraph 2 to revise the total daily limit of deposits that may constitute longer delays. Total daily limit changed from $5,525 to $6,725.

The following changes were made to Section 5. Deposits at ATMs and Shared Branch

  1. Language revised in Paragraphs 1 and 3 to adjust the amount of immediate funds available after deposit, from $225 to $275. Language also revised to update the total daily limit of deposits that may constitute longer delays. Total daily limit changed from $5,525 to $6,725.

Summary of Changes for Truth in Savings Disclosure for Term Share Certificate Accounts
Effective Date: August 1, 20255

Language added to provide additional clarity around our guidelines for certificate renewals, and our right to change the terms and conditions of Certificate Accounts.

  1. Section 2. Terms and Conditions Applicable to all Share Certificate Accounts
    1. Paragraph 2: Language changes to provide clarity on timeframes on Early Withdrawal Penalties and addition of 90-day simple dividend early withdrawal penalty on certificate less than twelve (12) months.
    2. Paragraph 4: Additional language under Maturity and Renewal term to clarify that product renewals will be to a “like-term” product if current product is no longer available.

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Truth in Savings Disclosure for Share Savings, Share Checking, IRA, HSA, and Coverdell Accounts

Effective Date: February 1, 2025

Throughout this Truth in Savings Disclosure, the words “you,” “your,” and “yours” mean each person who owns one or more Share Savings (Membership Savings, Carefree Savings, Instant Access Savings, Start Up Savings, IRA Savings, IRA Instant Access Savings, Roth Savings, Roth Instant Access Savings, Coverdell Savings, or Coverdell Instant Access Savings), or Share Checking (Carefree Checking, Dividends Rewards Checking, First Checking Plus, Start Up Checking, or HSA Checking) with First Technology Federal Credit Union. The words “we,” “us,” or “Credit Union” mean First Technology Federal Credit Union.

Section I. Payment of Dividends

  1. Nature of Dividends: The frequency and conditions upon which dividends are paid on all accounts are determined by the Credit Union’s Board of Directors in accordance with the Federal Credit Union Act and relevant laws (including the Truth- in-Savings Act and Regulations). Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
  2. Rate Information: For all dividend bearing accounts, the dividend rate and Annual Percentage Yield (“APY”) may change daily as determined by the Credit Union’s Board of Directors. Please refer to the Rate Sheet provided in addition to this Truth in Savings Disclosure for additional information, including the dividend rate and APY. You may also obtain current rate information by calling the Credit Union toll-free at 855.855.8805 or visiting our website.
  3. Minimum Balance Requirements: We list the minimum balance required to open an account on our Rate Sheet.
  4. Compounding and Crediting for all Accounts: For all dividend bearing accounts, dividends will be compounded monthly and will be credited monthly. For these accounts, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for this example is January 31. If you close any of your dividend earning accounts before dividends are credited you will not receive the accrued dividends.
  5. Fees and Charges: Please refer to the Fee Schedule provided in addition to this Truth in Savings Disclosure for fees and charges which may be assessed against your account.
  6. Balance Computation Method: Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
  7. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit cash and non-cash items (e.g., checks) to your account if deposited before the close of business.
  8. Share Requirement: You must complete payment of one share in your Membership Share Savings Account, in accordance with the Membership and Account Agreement, as a condition of your membership.

Section II. Terms and Conditions Applicable to Dividend Rewards Checking Accounts

  1. Restriction: You are limited to one (1) Dividend Rewards Checking Account. As the primary account owner of a Dividend Rewards Checking Account, you may not also be the primary account owner of the following products: First Tech Rewards Savings, First Tech Rewards Checking, First Tech Premier Rewards Savings, and/or First Tech Premier Rewards Checking.
  2. Eligibility: Account must be a personal account, trust account, or similar fiduciary account. Business, Organization, and HSA accounts are not eligible. The primary account owner of the Dividend Rewards Checking Account must also be the primary account owner on a Membership Share Savings account.
  3. Rate Information: The Dividend Rewards Checking Account is a tiered rate account. The applicable dividend rate and corresponding APY will be either the qualified or non-qualified rate, as determined by the qualification requirements per monthly cycle (listed below). If qualifications are met, the dividend rate and APY specified for a tier will apply only to the portion of the account balance that is within the tier. The dividend rates and range of APY(s) may vary depending on account balance and are listed for each tier in our Rate Sheet.
    1. Failure to Qualify: If you do not meet the qualification requirements for a monthly cycle, you will earn the non- qualified rate and corresponding APY.
  4. Qualification Requirements Per Monthly Cycle: A monthly cycle is defined as the last day of the previous calendar month through the second to last day of the current calendar month. For example, a monthly cycle would start March 31 and end April 29; the next monthly cycle would be April 30 through May 30. In order to qualify, you must meet all of the following qualification requirements:
    1. Have twelve (12) debit card purchases posted to the account.
    2. Have one (1) direct deposit or ACH deposit.
    3. Enrollment in electronic statements and electronic disclosures and notices for the primary account owner.
    The first monthly cycle will automatically meet all qualification requirements. For every monthly cycle thereafter, all qualification requirements must be completed and posted to your account prior to the last day of the calendar month. For example, the last day of March is March 31. At least twelve (12) debit card purchases must post to your account by March 30 for purposes of this example. Keep in mind that debit card purchases can take up to three (3) days to post and depend on merchant processing times.
  5. Rebates: For qualified accounts, out-of-network U.S. ATM fees will be refunded for the monthly cycle in which the fee was charged, up to an aggregate maximum amount of $10 per month.

Section III. Terms and Conditions Applicable to Start Up Checking and Savings Accounts

  1. Restriction: You are limited to one (1) Start Up Checking Account and one (1) Start Up Savings Account per primary account owner.
  2. Eligibility: Primary account owner must be under the age of eighteen (18).
    1. Once the primary account owner of a Start Up Checking Account turns the age of eighteen (18), the account will automatically convert to a First Checking Plus Account.
    2. Once the primary account owner of a Start Up Savings Account turns the age of eighteen (18), the account will automatically convert to a Carefree Savings Account.
  3. A parent and/or guardian must maintain joint ownership on the Start Up Checking and Savings account(s). Membership is required and subject to approval.
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Truth in Savings Disclosure - Rewards Checking and Savings

Truth in Savings Disclosure for First Tech Rewards Checking and Savings Accounts

Effective Date: February 1, 2025

Throughout this Truth in Savings Disclosure, the words “you,” “your,” and “yours” mean each person who owns a First Tech Rewards Checking Account and a First Tech Rewards Savings Account with First Technology Federal Credit Union. The words “we,” “us,” or “Credit Union” mean First Technology Federal Credit Union.

Section I. Payment of Dividends

  1. Nature of Dividends: The frequency and conditions upon which dividends are paid on all accounts are determined by the Credit Union’s Board of Directors in accordance with the Federal Credit Union Act and relevant laws (including the Truth- in-Savings Act and Regulations). Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
  2. Rate Information: For all dividend bearing accounts, the dividend rate and Annual Percentage Yield (“APY”) may change daily as determined by the Credit Union’s Board of Directors. Please refer to the Rate Sheet provided in addition to this Truth in Savings Disclosure for additional information, including the dividend rate and APY. You may also obtain current rate information by calling the Credit Union toll-free at 855.855.8805 or visiting our website.
  3. Minimum Balance Requirements: We list the minimum balance required to open an account on our Rate Sheet.
  4. Compounding and Crediting for all Accounts: For all dividend bearing accounts, dividends will be compounded monthly and will be credited monthly. For these accounts, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for this example is January 31. If you close any of your dividend earning accounts before dividends are credited, you will not receive the accrued dividends.
  5. Fees and Charges: Please refer to the Fee Schedule provided in addition to this Truth in Savings Disclosure for fees and charges which may be assessed against your account.
  6. Balance Computation Method: Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
  7. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit cash and non-cash items (e.g., checks) to your account if deposited before the close of business.
  8. Share Requirement: You must complete payment of one share in your Membership Share Savings Account, in accordance with the Membership and Account Agreement, as a condition of your membership.

Section II. Terms and Conditions Applicable to First Tech Rewards Checking Accounts

  1. Restriction: As the primary account owner of the First Tech Rewards Checking account, you may not also be the primary account owner on the following products: Dividend Rewards Checking, First Tech Premier Rewards Savings, and/or First Tech Premier Rewards Checking.
  2. Eligibility: Account must be a personal account, trust account, or similar fiduciary account. Business, Organization, and HSA accounts are not eligible. The primary account owner of the First Tech Rewards Checking Account must also be the primary account owner on a Membership Savings account.
  3. Rate Information: The applicable dividend rate and corresponding APY will be either the qualified or non-qualified rate, as determined by the qualification requirements per monthly cycle (listed below)
    1. Failure to Qualify: If you don’t meet the qualification requirements for a monthly cycle, you’ll earn the non-qualified rate and corresponding APY.
  4. Qualification Requirements Per Monthly Cycle: A monthly cycle is defined as the last day of the previous calendar month through the second to last day of the current calendar month. For example, a monthly cycle would start March 31 and end April 29; the next monthly cycle would be April 30 through May 30. In order to qualify, you must meet all of the following qualification requirements:
    1. Have an aggregate spend of at least $1000 per month posted to the applicable accounts. Qualifying transactions include:
      1. Posted debit card purchases to the First Tech Rewards Checking account.
      2. Posted credit card purchases on a First Tech credit card account. Credit card purchases must be made on a First Tech credit card account with the same primary account owner as the First Tech Rewards Checking account.
    2. Have ACH deposits totaling at least $1,000 per cycle (either multiple aggregate ACH deposits equal to $1,000 or one $1,000 ACH deposit) to the First Tech Rewards Checking account.
    3. Enrollment in electronic statements and electronic disclosures and notices for the primary account owner.
    The first monthly cycle will automatically meet all qualification requirements. For every monthly cycle thereafter, all qualification requirements must be completed and posted to your account prior to the last day of the calendar month. For example, the last day of March is March 31. Qualifying debit and/or credit card purchases must post to your account(s) by March 30 for purposes of this example. Keep in mind that debit and/or credit card purchases can take several days to post and depend on merchant processing times.
  5. Rebates: The following rebates will be credited to the First Tech Rewards Checking account if the qualification requirements are met for the monthly cycle in which the transaction posted. The offered rebates may change at any time, as determined by the Credit Union’s Board of Directors. Rebates will be posted within three (3) business days after the end of the calendar month.
    1. Reimbursement of any out-of-network U.S. ATM fees, up to a maximum of $10 per month, per account.
    2. 0.50% cash back on minimum scheduled payment amount made from another First Tech account to your First Tech consumer loan(s), mortgage loan(s), and/or home equity line of credit (HELOC), up to a maximum of $15 per month. Primary account owner of the First Tech Rewards Checking account must be listed as primary borrower on the First Tech consumer loan(s), mortgage loan(s), or HELOC. Regular payments to credit cards and commercial loan products are not eligible for this product offering and do not qualify for the above-mentioned cash back rebates. Prepayments, late payments, and payoffs not included. Loans must be in good standing (active, current, not delinquent). Limit one (1) rebate posting per primary account owner.
    3. 1.00% cash back on all posted credit card purchases made on your First Tech credit card account, up to a maximum of $30 per month. Credit card purchases must be made on a First Tech credit card account with the same primary account owner as the First Tech Rewards Checking account. Limit one (1) rebate posting per primary account owner.
  6. Opening this checking account does not guarantee approvals on loan accounts. Lending qualifications still apply.

Section III. Terms and Conditions Applicable to First Tech Rewards Savings Accounts

  1. Restriction: As the primary account owner of the First Tech Rewards Savings account, you may not also be the primary account owner on the following products: Dividend Rewards Checking, First Tech Premier Rewards Savings, and/or First Tech Premier Rewards Checking.
  2. Eligibility: Account must be a personal account, trust account, or similar fiduciary account. Business, Organization, and HSA accounts are not eligible. The primary account owner of the First Tech Rewards Savings account must also be the primary account owner on a Membership Share Savings account. The primary account owner of the First Tech Rewards Savings account must also be the primary account owner of a First Tech Rewards Checking account.
  3. Rate Information: The dividend rate and corresponding APY will be either the qualified or non-qualified rate as determined by the First Tech Rewards Checking qualification requirements per monthly cycle (listed above).
    1. Failure to Qualify: If you don’t meet the qualification requirements for a monthly cycle, you’ll earn the non-qualified rate and corresponding APY.
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Truth in Savings Disclosure - Premier Rewards Checking and Savings

Truth in Savings Disclosure for First Tech Premier Rewards Checking and Savings Accounts

Effective Date: August 1, 2024

Throughout this Truth in Savings Disclosure, the words “you,”“your,”and “yours”mean each person who owns a First Tech Premier Rewards Checking Account and a First Tech Premier Rewards Savings Account with First Technology Federal Credit Union. The words “we,”“us,”or “Credit Union”mean First Technology Federal Credit Union.

Section I. Payment of Dividends

  1. Nature of Dividends: The frequency and conditions upon which dividends are paid on all accounts are determined by the Credit Union’s Board of Directors in accordance with the Federal Credit Union Act and relevant laws (including the Truthin- Savings Act and Regulations). Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
  2. Rate Information: For all dividend bearing accounts, the dividend rate and Annual Percentage Yield (“APY”) may change daily as determined by the Credit Union’s Board of Directors. Please refer to the Rate Sheet provided in addition to this Truth in Savings Disclosure for additional information, including the dividend rate and APY. You may also obtain current rate information by calling the Credit Union toll free at 855.855.8805 or visiting our website.
  3. Minimum Opening Balance Requirement: We list the minimum balance required to open an account on our Rate Sheet.
  4. Compounding and Crediting for All Accounts: For all dividend bearing accounts, dividends will be compounded monthly and will be credited monthly. For these accounts, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for this example is January 31. If you close any of your dividend earning accounts before dividends are credited you will not receive the accrued dividends.
  5. Fees and Charges: Please refer to the Fee Schedule/Sheet provided in addition to this Truth in Savings Disclosure for fees and charges which may be assessed against your account.
  6. Balance Computation Method: Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
  7. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business.
  8. Share Requirement: You must complete payment of one share in your Membership Share Account, in accordance with the Membership and Account Agreement, as a condition of your membership.

Section II. Terms and Conditions Applicable to First Tech Premier Rewards Savings Accounts

  1. Restriction: You may not also be the primary account owner on any of the following products: First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking.
  2. Eligibility: Account must be a personal account or a trust account or similar fiduciary account. Business, Organization and HSA accounts are not eligible. The primary account owner of the First Tech Premier Rewards Savings account must also be the primary account owner on a Membership Share Savings account.
  3. Enrollment Qualification Requirements: To enroll in the First Tech Premier Rewards program, the primary account owner must have at least one (1) First Tech Premier Rewards Savings account and must meet the following requirements:
    1. Minimum Balance: Within 30 days of program enrollment, deposit or investment account balances must meet one of the following qualifications:
      1. Achieve a minimum aggregate deposit balance of $250,000 across one or more First Tech share accounts. This aggregate balance is an accumulation of the balances in all share accounts on which you are the primary account owner.
      2. Achieve a minimum aggregate balance of $500,000 via Addison Avenue Investment Services. This aggregate balance is an accumulation of all balances in investment accounts of which you are the primary account owner.
    2. Failure to Continue to Qualify: If you do not meet either of the above enrollment requirements as and when required, each of your First Tech Premier Rewards Savings account(s) will be converted to the Instant Access Savings account and each of your First Tech Premier Rewards Checking account(s) will be converted to the First Checking Plus account.
  4. Ongoing Qualification Requirements: To remain in the First Tech Premier Rewards program, participating members must maintain at least one (1) First Tech Premier Rewards Savings account as the primary account owner and meet the following requirements as measured on a monthly basis:
    1. Minimum Balance: Deposit or investment account balances must continue to meet one of the following requirements:
      1. Minimum Combined Share Balance: Maintain a minimum average daily balance of at least $250,000 across one or more First Tech share accounts. This average daily balance is an accumulation of the balances in all share accounts on which you are the primary account owner. The average daily balance is calculated by adding the balance in the account(s) for each day of the dividend period and dividing that figure by the number of days in the dividend period.
      2. Minimum Combined Investment Balance: Maintain a minimum aggregate balance of $500,000 via Addison Avenue Investment Services.1 This aggregate balance is an accumulation of all balances in investment accounts of which you are the primary owner. Investment balances are obtained from Addison Avenue Investment Services monthly for assessment of qualifications.
    2. Failure to Continue to Qualify: If you do not meet the minimum combined share balance or minimum combined investment balance requirements for five (5) consecutive calendar months, your First Tech Premier Rewards Savings account(s) will be converted to the Instant Access Savings account and each of your First Tech Premier Rewards Checking account(s) will be converted to the First Checking Plus account.
  5. Rebates: For each completed calendar month in which the primary account owner has a First Tech Premier Rewards Savings account, the following fees will be reimbursed to the account, up to an aggregate maximum of $75 per calendar month. Any share account that has the same primary account owner as the First Tech Premier Rewards Savings account will be eligible for inclusion in the rebate calculation, excluding Business and HSA accounts. Rebates will be posted within 5–7 business days after the end of each month.
    1. ATM Deposit Adjustment
    2. Non-First Tech and Non-CO-OP ATM
    3. Check orders/re-order
    4. Foreign Check exchange
    5. Foreign currency exchange
    6. International transactions / currency conversion
    7. Stop payments (regular and BillPay)
    8. Wires
    9. Express Delivery (excludes card rush items)

    Fees not listed will be considered an exception rebate, subject to the review and approval of First Tech in its sole discretion. First Tech has no obligation to recognize an exception rebate.

Section III. Terms and Conditions Applicable to First Tech Premier Rewards Checking Accounts

  1. Restriction: You may not also be the primary account owner on any of the following products: First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking.
  2. Eligibility: Account must be a personal account or a trust account or similar fiduciary account. Business, Organization and HSA accounts are not eligible. Opening and maintaining a First Tech Premier Rewards Checking account requires the simultaneous opening and maintenance of a First Tech Premier Rewards Savings account. The primary account owner of the First Tech Premier Rewards Checking account must also be the primary account owner of a First Tech Premier Rewards Savings account.
  3. Failure to Continue to Qualify: If you fail to meet the Enrollment Qualification Requirements set forth above in Section II(3) or if you fail to maintain the Ongoing Qualification Requirements set forth above in Section II(4) for a First Tech Premier Rewards Savings account and your First Tech Premier Rewards Savings account(s) is converted to an Instant Access Savings account, your First Tech Premier Rewards Checking account simultaneously will be converted to the First Tech Checking Plus account.

1Addison Avenue Financial Advisors offer securities through Raymond James Financial Services, Inc. Member FINRA / SIPC and securities are not insured by credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. First Technology Federal Credit Union and Addison Avenue Investment Services are not registered broker/dealers and are independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. The First Tech Premier Rewards Checking and Savings Accounts are products of First Technology Federal Credit Union, and Raymond James Financial Services Advisors, Inc. is not responsible for the administration of such products.

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Truth in Savings Disclosure - Share Certificates

Truth in Savings Disclosure for Term Share Certificate Accounts

Effective Date: August 1, 2024

Throughout this Truth in Savings Disclosure, the words “you,” “your,” and “yours” mean each person who owns one or more Term Share Certificate Accounts; Term Certificates, Term Bump Up Certificates, IRA Term Certificates, IRA Term Bump Up Certificates, Roth Term Certificates, Roth Term Bump Up Certificates, ESA Term Certificates, or ESA Term Bump Up Certificates with First Technology Federal Credit Union. The words “we,” “us,” or “Credit Union” mean First Technology Federal Credit Union.

Section I. Payment of Dividends

Unless otherwise specified for a specific type of Share Certificate Account below, these general terms and conditions shall apply to all Share Certificate Accounts. All of our dividend-bearing term share accounts are referred to as “Share Certificate Accounts”.

  1. Certificate Account Receipt: This Truth in Savings Disclosure supplements your Account Application or Certificate Account Receipt (“Certificate Receipt”) which discloses specific terms of your Share Certificate Account.
  2. Nature of Dividends: The frequency and conditions upon which dividends are paid on all accounts are determined by the Credit Union’s Board of Directors in accordance with the Federal Credit Union Act and relevant laws (including the Truthin- Savings Act and Regulations). Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
  3. Rate Information: Share Certificate Accounts are generally fixed-rate accounts (unless stated otherwise, such as our Bump Up Share Certificates) and are non-negotiable and non-transferable. You will be paid the applicable rate and annual percentage yield (“APY”) until maturity. We may change dividend rates and APYs offered for new Share Certificate Accounts at any time as determined by the Credit Union’s Board of Directors. The applicable dividend rate, APY, term, and Maturity Date for your Share Certificate Account will be set forth in the Certificate Receipt we will provide to you when you open such an account. The disclosed APY assumes that the account is funded at the time of account opening. A delay in funding shall not extend or change your Maturity Date but may result in reduced earnings. You may also obtain current rate information by calling the Credit Union toll-free at 855.855.8805 or visiting our website.
  4. Compounding and Crediting for all Accounts: Dividends will be compounded monthly and will be credited on the last day of each month and/or upon the Maturity Date. If the Share Certificate Account is closed before dividends are credited, dividends accrued through the prior business day will be paid, subject to any early withdrawal penalty.
  5. Balance Computation Method: Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
  6. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit cash and non-cash items (e.g., checks) to your account if deposited before the close of business.
  7. Minimum Balance and Deposit Requirements: The minimum balance required to open and maintain a Share Certificate Account is set forth on the Rate Sheet. You must maintain this minimum balance in your Share Certificate Account each day to obtain the disclosed APY. The Share Certificate Account may be closed if the balance falls below the minimum balance required set forth on the Rate Sheet, if applicable. Although credited dividends may be withdrawn or transferred at any time without the assessment of an early withdrawal penalty, the disclosed APY assumes that dividends will remain in the Share Certificate Account until the Maturity Date. An early withdrawal of dividends will reduce earnings.
  8. Share Requirement: You must complete payment of one share in your Membership Share Account, in accordance with the Membership and Account Agreement, as a condition of your membership.

Section II. Terms and Conditions Applicable to All Share Certificate Accounts

  1. Transaction Limitations: Once your Share Certificate Account is established, you generally may not make deposits into the account until the Maturity Date except during the applicable grace period and as permitted for Bump Up Share Certificates and IRA/Roth IRA/Coverdell Share Certificates. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties, except during the grace period described herein. We also reserve the right to require members intending to make a withdrawal of principal from any Share Certificate Account to give written notice of such intent not less than sixty (60) days before the withdrawal.
  2. Early Withdrawal Penalties: The Share Certificate Account will mature on the Maturity Date set forth in the Certificate Receipt. If a withdrawal of principal is made prior to the Maturity Date, the Credit Union will impose a penalty on the amount withdrawn that is subject to penalty. Penalties may reduce the principal.
    1. In accordance with Federal Reserve Board Regulation D, the Credit Union may charge an early withdrawal penalty of seven (7) days simple dividends on amounts withdrawn within the first six (6) days after account opening or within six (6) days of following the last partial withdrawal.
    2. If the Share Certificate Account has a term to maturity less than one (1) year, we do not charge an early withdrawal penalty unless you make a withdrawal within the first six (6) days after account opening or within six (6) days following the last partial withdrawal. In those circumstances, we may charge an early withdrawal penalty of seven (7) days simple dividends in accordance with the Federal Reserve Board’s Regulation D, whether or not earned.
    3. If the Share Certificate Account has a term to maturity of between twelve (12) months twenty-four (24) months, the penalty imposed will equal 180 days of simple dividends, whether or not earned.
    4. If the Share Certificate Account has a term to maturity greater than two (2) years, the penalty will equal 270 days simple dividends, whether or not earned.
  3. Exceptions to Early Withdrawal Penalties: Early withdrawal penalties will not apply to:
    1. Withdrawals of credited dividends.
    2. Withdrawals of certificate funds during the ten (10) day grace period following the automatic renewal of the certificate.
    3. At our option, withdrawals made subsequent to the death of an account holder or date of a court order or order of another body of competent jurisdiction declaring an account owner legally incompetent.
    4. Withdrawals made to effect a required distribution of funds from accounts which are part of a pension plan that qualifies or qualified for specific tax treatment under Section 401 or from accounts qualifying under Section 408 of the Internal Revenue Service code.
  4. Maturity and Renewal: Except otherwise stated in your Certificate Receipt, your Share Certificate Account will automatically renew upon the Maturity Date and on the Maturity Date of any renewal term unless either you prevent renewal by withdrawing all of the funds in your Share Certificate Account or we advise you that renewal is no longer available for your Share Certificate Account. We will provide you with written notice at least thirty (30) days before the Maturity Date, informing you of your renewal options or advising you of our decision not to allow renewal of your Share Certificate Account. Any applicable renewal term will be equal to or closest to that of the initial term and at the dividend rate and APY in effect at that time for such a term. You may instruct us in person or in writing prior to the expiration of a ten (10) day grace period following maturity to renew or close the Share Certificate Account on a date of your choosing within the grace period. Funds will continue to earn dividends but at the rate of a new Share Certificate Account for the same term in effect on the Maturity Date until such date of closure or renewal. If automatically renewed, all funds in a Share Certificate Account as of the renewal date are considered to be principal. If the Share Certificate is no longer offered at the time of renewal the funds will be transferred to your Membership Share Savings Account.
  5. Notices: We will send you a written maturity notice at least thirty (30) days in advance of the Maturity Date of your Share Certificate Account.
  6. Unclaimed Property: Certificate accounts subject to unclaimed property laws may not be automatically renewed and may be surrendered to the applicable state in accordance with state laws.
  7. Lien on Shares: Subject to our lending policies, amounts on deposit in Share Certificate Accounts may be pledged as collateral security to secure your loans with us.
  8. Change in Terms: Subject to applicable federal and state laws and regulations, we reserve the right to amend, restate, replace, supplement, change, eliminate provisions from, add new provisions to, or otherwise modify the terms and conditions of Certificate Accounts at any time without notice to you, unless notice is required under applicable law.

Section III. Additional Terms and Conditions Applicable to Specific Share Certificate Accounts

  1. IRA/Roth IRA/Coverdell ESA Share Certificates: You may make unlimited additions up to your annual contribution limit into these accounts. There are no limitations on the frequency or timing of additions
  2. Bump Up Share Certificates: If your account has the Bump Up feature, we list the dividend rate and APY on your Certificate Receipt for your Bump Up Share Certificate account. Your Maturity Date will remain the same as stated on your Certificate Receipt.
    1. You have the option within each twelve (12) months of the current term for terms equaling or exceeding twenty-four (24) months, or once per term for Bump Up products with a term less than twenty-four (24) months, of exchanging the dividend rate for a new dividend rate that is currently offered on the same term share certificates at no cost to you.
    2. You have the option within each twelve (12) months of the current term for terms equaling or exceeding twenty-four (24) months, or once per term for Bump Up products with a term less than twenty-four (24) months, to make one (1) additional deposit. The maximum amount you can deposit is up to the original amount of the share certificate at the start of the current term.

Section IV. Additional Terms and Conditions Applicable to Promotional 6-Month Share Certificate Accounts

  1. Qualifications: Available for new Promotional 6-Month Certificate accounts only. Eligible 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.
  2. Upon maturity, the account will automatically convert to the rate offered for the standard 6-Month Share Certificate account. Please refer to our Rate Sheet for current dividend rates and annual percentage yield information.
  3. If the Share Certificate Account has a term to maturity less than twelve (12) months, the penalty imposed will equal 90 days of simple dividends, whether or not earned.
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Fee Schedule/Sheet

Effective dates: January 1, 2025

We may assess the following fees against your account.

Please review the Membership and Account Agreement (firsttechfed.com/MAA), account documents, and FAQ page (www.firsttechfed.com/help/faqs/overdraft-fees) for additional information regarding fees, transaction limitations, and other account restrictions that may apply.

Our fees are categorized as follows:

  • Card Services
  • Miscellaneous Transactions and Services
  • Overdraft and Return ACH Origination Fees
  • Safe Deposit Box
  • Wire Transfers
  • Business Accounts
  • Mortgage Servicing Loan Fees
  • Consumer Loan Fees
  • Commercial Loan Fees

Card Services

Applicable fees for ATM and Debit, and Credit Cards. Credit Card may have additional fees which could vary, see Credit Card section of the Rates and Fees, and your account documents and disclosure for more details.

Note: Each individual action at an ATM not owned by First Tech may be considered a separate transaction and a separate transaction fee may be charged by the ATM operator or any network used for each action even if you only enter your PIN once.

Name or Description

Fee Amount

Important Information

ATM Transactions at First Tech Owned and Co-op Network ATMs

No Charge
  • Unlimited withdrawals, deposits, transfers, and inquiries.
  • Daily ATM withdrawal amount limits may apply..

ATM Cash Withdrawal or Inquiry at Non-First Tech Owned and non-Coop Network ATMs

$2.00
  • First Tech charge for withdrawals.
  • Does not include any third-party processing or international transaction fees.

ATM Deposit Adjustment

$5.00
  • This fee is applicable if your deposit at a Co-op network ATM must be adjusted.

Card PIN Rush

$20.00
  • 2 day delivery for Card PIN.

Card Rush

$20.00
  • 2 day delivery for Card.

Card Rush

$35.00
  • Next day delivery for Card.

International Transaction/Currency Conversion Fee

1% of Purchase Amount
  • Applies to ATM and Debit Card transactions processed outside of the U.S. as determined by the merchant/processor or when transacting in foreign currency. International transactions include those processed by a merchant overseas, even if the transaction is initiated while here in the U.S. (e.g., Internet transactions).

Miscellaneous Transactions and Services

Applicable fees for miscellaneous services and transactions. Restrictions may apply. Please refer to the Disclosures (firsttechfed.com/Disclosures) and, if applicable, the Digital Banking (firsttechfed.com/DigitalBanking) pages located at firsttechfed.com.

Name or Description

Fee Amount

Important Information

Returned Mail Fee

$5.00
  • Fee assessed upon receipt of Returned Mail for non-delivery. Not to exceed one fee charged per 12 month period.

Cashier’s Check

No Charge
  • Limit 3 checks per day.

Check Orders and Re-orders

Varies
  • Fee depends on style and quantity ordered.

Deposit Verification

No Charge
  • Documentation provided to review and verify account information, such as balance or transaction history.

Express Delivery — Overnight

$20.00
  • Fee applies for requested or required express overnight delivery of documentation.

Inactivity Fee

Up to $10/month
  • May be assessed monthly when a member has not initiated activity on any relationship accounts for at least 6 months. A relationship is defined as any account where the account holder has an ownership role.
  • Exclusions:
    • Account holder is an owner on other open products or has relationships other than Savings and Checking accounts.
    • Account holder has more than $1,000 in relationship deposits.
    • Account holder is under 18 years of age.
  • See our Inactivity Fee FAQ on firsttechfed.com (firsttechfed.com/help/faqs/inactivity-fee) for more information on this fee.

Legal Actions, Garnishments, Executions or Levies

$50.00
  • Fee applies to garnishments, executions, levies, liens or other legal orders received that must be acted upon.

Specialized Letters

$25.00
  • Specialized letter requests.

Stop Payments

$33.00
  • This fee applies when you place a stop payment on a check (one or series of consecutive checks), ACH (one time or recurring), or Cashier’s Check, or through the Online Mobile Banking Bill Pay service.

Bill Pay — Expedited Payment

$30.00
  • This fee applies if you request to expedite a bill payment through the Online Mobile Banking Bill Pay service.

Overdraft and Return ACH Origination Fees

Applicable fees for Overdraft and Return ACH Origination.

Name or Description

Fee Amount

Important Information

Overdraft Protection Transfer

No Charge
  • You must enroll to use Overdraft Protection service.

Overdraft Fee1

$33.00
  • Overdraft Fee: Paid – Fee applies to paid overdraft items via the Discretionary Overdraft service.
  • This fee applies to the following categories of transactions: share draft, check, ACH, or other electronic means.
  • The following limitations apply to overdraft fees:
    • No fee will be charged if the item/transaction that caused the overdraft or return item is less than $5.
    • No more than 5 overdraft fees per day will be charged to an account.
    • No fee will be charged when we decline or return an item unpaid due to insufficient funds, but you may be charged a fee(s) by the payee for the returned payment.
  • Fee Names on your statement or in Digital Banking may vary depending on transaction type (Check, ACH, POS Reoccurring):
    • Overdraft Fee
    • OD Uncollected / Held Fee
    • OD Recurring POS Fee

Return ACH Origination Fee

$33.00
  • This fee is applicable when you request First Tech to initiate an ACH transfer (one time or recurring) to or from an external account and it is unsuccessful/returned.

1See the Overdraft Policy Disclosure section of the Membership and Account Agreement (firsttechfed.com/MAA) and Overdraft Fee FAQ (firsttechfed.com/help/faqs/overdraft-fees) on our website (firsttechfed.com) for additional information and examples of when and how Overdraft Fees are assessed, and tips on how to avoid these fees.


Safe Deposit Box

Applicable fees for safe deposit boxes.

Name or Description

Fee Amount

Important Information

3x5 Annual Rental

$23.00
  • Box availability and size vary per Experience Center location.

3x10 Annual Rental

$45.00

5x5 Annual Rental

$46.00

5x10 Annual Rental

$58.00

10x10 Annual Rental

$97.00

Key Deposit

$16.00
  • Refunded when both keys are returned.

Box Drilling

$200.00
  • Fee applies when a Safe Deposit Box key is lost and First Tech must arrange to drill the lock and replace.

Wire Transfers

Applicable fees per wire. Utilizing other low or no cost services, such as Digital Banking Bill Pay, Person to Person transfers, ACH transfers, and Digital Banking transfers may help you avoid or reduce the number of wire fees.

Name or Description

Fee Amount

Important Information

Incoming – All

$5.00
  • Applicable fee when receiving funds via domestic or international wire transfers.

Outgoing – Domestic

$20.00
  • Applicable fee when sending funds via domestic wire transfers.

Outgoing – Foreign

$65.00
  • Applicable fee when sending funds via international wire transfers.

Business Accounts

Additional fees for business accounts.

Name or Description

Fee Amount

Important Information

Simple Business Checking

$6.00
  • Monthly fee.
  • Waived if average daily balance is $1,000 or more.

Business Instant Access

$10.00
  • Monthly fee.
  • Waived if average daily balance is $5,000 or more.

Business Dividend Checking

$15.00
  • Monthly fee.
  • Waived if average daily balance is $5,000 or more.

Overdraft Transfer Fee

$4.00
  • Per transfer from a business savings account.
  • You must enroll to use this service.

Mortgage Servicing Loan Fees

Applicable Servicing fees for Mortgage Real Estate loans. Individual loan fees may vary. See your Mortgage loan documents for more details.

Name or Description

Fee Amount

Important Information

Flexity Line of Credit — Annual Fee

Varies
  • Annual Fee for Home Equity Lines of Credit (HELOC). See Loan documents for more details.

Flexity Line of Credit — Masterline Fixed Lock Fee

$25.00
  • No charge for first fixed-rate lock.
  • Each additional fixed-rate lock is $25.
  • You can lock in up to three fixed-rate loans under one line of credit.
  • Duration of fixed-rate loans will not exceed the end of draw period.

Flexity Line of Credit — Masterline Fixed Unlock Lock Fee

$125.00
  • Unlocking fixed-rate loans will move outstanding balance owed to line of credit lien for repayment.

Late Payment Fee

Varies
  • Applicable fee to all Mortgage Loan Products when payment is received after due date and any applicable grace period.
  • See Loan documents for more details.

Partial Release/Lot Line Fee

$250.00
  • Applicable to requests where property boundaries change or are sold.

Payoff Processing Fee

$30.00 ($25.00 NJ Properties)
  • Processing fee for providing payoff quotes to external third parties.

Recast/Reamortize Fee

$100.00
  • Fee for having loan Principal and Interest payment recalculated post a large single principal reduction payment of at least 10% of the outstanding principal balance.

Subordination Fee

$125.00
  • Processing fee for review and approval of subordination request.

Reconveyance Fee

Varies by State
  • Varies by the state in which the real property is located. Fee represents actual amount charged for recording reconveyance by local government as well as services performed by third parties to facilitate reconveyance. Contact Mortgage Servicing for more information and specific amounts.

Consumer Loan Fees

Listed below are common fees which may be applicable to Consumer loans. See your loan documents and disclosure for more information about fees specific to your loan product.

Name or Description

Fee Amount

Important Information

Late Charge

Varies
  • Applicable fee when payment is received after due date and any applicable grace period.
  • This fee may vary; see loan documents for more details.

Returned Check Payment Fee

$33.00
  • Fee will be charged when a payment made by check is returned unpaid. See loan documents for more details. Effective September 1, 2024 fee will be increased from $28.00 to $33.00.

Commercial Loan Fees

Listed below are common fees which may be applicable to Commercial loans. See your loan documents for more information about fees specific to your loan product.

Name or Description

Fee Amount

Important Information

Lien Release Fee

Varies by State
  • Applicable fee for release of security interest in collateral securing the loan. See loan documents for more details.

Late Payment Fee

Varies
  • Applicable fee when payment is received after due date and any applicable grace period. See loan document for more details.

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