Effective Date:  December 1, 2020

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Carefree Checking NA NA $10.00 NA NA NA
First Checking Plus 0.05% 0.05% $10.00 NA Monthly Monthly
Start Up Checking 2 0.10% 0.10% $10.00 NA Monthly Monthly
Dividend Rewards Checking (Qualified Rate) 3
$0.01 - $10,000.00 1.24% 1.25% $10.00 NA Monthly Monthly
$10,000.01 + 0.10% 0.10% $10.00 NA Monthly Monthly
Dividend Rewards Checking (Non-Qualified Rate) 3 0.05% 0.05% $10.00 NA Monthly Monthly
HSA Checking 1.00% 1.00% $10.00 NA Monthly Monthly
Select the checking account you want to open.

Effective Date:  December 1, 2020

Account Dividend Rate APY Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Membership Savings 0.05% 0.05% $5.00 NA Monthly Monthly
Carefree Savings 0.10% 0.10% $25.00 NA Monthly Monthly
Start Up Savings 4
$0.01 - $999.99 4.89% 5.00% $25.00 NA Monthly Monthly
$1,000.00 + 0.10% 0.10% $25.00 NA Monthly Monthly
Instant Access Savings
$0.01 - $2,499.99 0.05% 0.05% $5,000.00 NA Monthly Monthly
$2,500 - $9,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$10,000 - $24,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$25,000 - $99,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$100,000 - $249,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$250,000 - $499,999.99 0.15% 0.15% $5,000.00 NA Monthly Monthly
$500,000 - $749,999.99 0.15% 0.15% $5,000.00 NA Monthly Monthly
$750,000 + 0.15% 0.15% $5,000.00 NA Monthly Monthly
Select the Savings account you want to open.

Effective Date:  December 1, 2020

Select the Share Certificates account you want to open.

Effective Date:  December 1, 2020

Select the Share Certificates account you want to open.

1 = Annual Percentage Yield

2 = Start Up Checking accounts are available for all ages up to 17. A Parent/Guardian must be a Joint Owner on the account. The account will automatically convert to a First Checking Plus account when the owner turns 18 years old. Limit: One Start Up Checking Account per member.

3 = Dividend Rewards Checking. The dividend rate and the corresponding annual percentage yield (APY) on your account will be determined by whether or not account qualifications have been met per monthly cycle. Qualifications per monthly cycle are 12 debit card purchases posted to the account, one direct deposit or ACH deposit/withdrawal and enrollment in electronic statements. Qualifying transactions must post to the account prior to the last day of the month. Debit card purchases can take up to 3 days to post and are dependent on merchant processing times. If the requirements per qualification period are not met, the dividend rate and corresponding APY earned will be the non-qualified rate. Fees charged at U.S. ATMs will be refunded if account qualifications are met for the monthly cycle the fee was charged in.

4 = Start Up Savings Accounts are available for all ages up to 17. A Parent/Guardian must be a Joint Owner on the account. The account will automatically convert to a Carefree Savings account when the owner turns 18 years old. Limit: One Start Up Savings Account per member.

Rate Filters:

Effective Date:  December 1, 2020

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Simple Business Checking NA NA $100 $1,000 NA NA
Business Dividend Checking
$0 - $9,999.99 0.05% 0.05% $100 $5,000 Monthly Monthly
$10,000 - $24,999.99 0.05% 0.05% $100 $5,000 Monthly Monthly
$25,000 - $49,999.99 0.05% 0.05% $100 $5,000 Monthly Monthly
$50,000 - $99,999.99 0.10% 0.10% $100 $5,000 Monthly Monthly
$100,000 + 0.10% 0.10% $100 $5,000 Monthly Monthly

Effective Date:  December 1, 2020

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Business Instant Access
$0.01 - $2,499.99 0.05% 0.05% $5,000 $5,000 Monthly Monthly
$2,500 - $9,999.99 0.10% 0.10% $5,000 $5,000 Monthly Monthly
$10,000 - $24,999.99 0.10% 0.10% $5,000 $5,000 Monthly Monthly
$25,000 - $99,999.99 0.10% 0.10% $5,000 $5,000 Monthly Monthly
$100,000 - $249,999.99 0.10% 0.10% $5,000 $5,000 Monthly Monthly
$250,000 + 0.15% 0.15% $5,000 $5,000 Monthly Monthly

Effective Date:  December 1, 2020

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Business Membership Savings 0.05% 0.05% $5.00 NA Monthly Monthly
Simple Business Savings 0.05% 0.05% $25.00 NA Monthly Monthly

Effective Date:  December 1, 2020

Term Min. Opening Balance Dividend Rate APY
Fixed Fixed
6-Month $500.00 0.20% 0.20%
12-month $500.00 0.30% 0.30%
13-Month Bump Up* $500.00 0.25% 0.25%
24-Month $500.00 0.40% 0.40%
36-Month $500.00 0.45% 0.45%
60-Month $500.00 0.50% 0.50%
Subsequent Deposits Not Allowed Not Allowed
Renewable Automatic Automatic

1 = Annual Percentage Yield

Effective Date:  December 1, 2020

Traditional/Roth IRA and Coverdell Certificate Accounts
Minimum Opening Deposit $500
Dividend Compounded Monthly and at Maturity
Dividend Credited Monthly and at Maturity
Term Min. Opening Balance Dividend Rate APY 1
Fixed Fixed
6-Month $500.00 0.20% 0.20%
12-Month $500.00 0.30% 0.30%
13-Month Bump Up 2 $500.00 0.25% 0.25%
24-Month $500.00 0.40% 0.40%
36-Month $500.00 0.45% 0.45%
60-Month $500.00 0.50% 0.50%
Jumbo 6-Month $50,000.00 0.25% 0.25%
Jumbo 12-Month $50,000.00 0.35% 0.35%
Jumbo 13-Month Bump Up 2 $50,000.00 0.30% 0.30%
Jumbo 24-Month $50,000.00 0.45% 0.45%
Jumbo 36-Month $50,000.00 0.50% 0.50%
Jumbo 60-Month $50,000.00 0.55% 0.55%
Subsequent Deposits Not Allowed
(with the exception
of Bump Up and
IRA Certificates)
Not Allowed
(with the exception
of Bump Up and
IRA Certificates)
Renewable Automatic Automatic
Select the IRA Certificates account you want to open.

Effective Date:  December 1, 2020

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Traditional IRA Instant Access Savings
$0.01 - $2,499.99 0.05% 0.05% $5,000.00 NA Monthly Monthly
$2,500 - $9,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$10,000 - $24,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$25,000 - $99,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$100,000 - $249,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$250,000 - $499,999.99 0.15% 0.15% $5,000.00 NA Monthly Monthly
$500,000 - $749,999.99 0.15% 0.15% $5,000.00 NA Monthly Monthly
$750,000 + 0.15% 0.15% $5,000.00 NA Monthly Monthly
Roth IRA Instant Access Savings
$0.01 - $2,499.99 0.05% 0.05% $5,000.00 NA Monthly Monthly
$2,500 - $9,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$10,000 - $24,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$25,000 - $99,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$100,000 - $249,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$250,000 - $499,999.99 0.15% 0.15% $5,000.00 NA Monthly Monthly
$500,000 - $749,999.99 0.15% 0.15% $5,000.00 NA Monthly Monthly
$750,000 + 0.15% 0.15% $5,000.00 NA Monthly Monthly
Coverdell Instant Access Savings
$0.01 - $2,499.99 0.05% 0.05% $5,000.00 NA Monthly Monthly
$2,500 - $9,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$10,000 - $24,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$25,000 - $99,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$100,000 - $249,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$250,000 - $499,99.99 0.15% 0.15% $5,000.00 NA Monthly Monthly
$500,000 - $749,999.99 0.15% 0.15% $5,000.00 NA Monthly Monthly
$750,000 + 0.15% 0.15% $5,000.00 NA Monthly Monthly
Traditional IRA Savings 0.05% 0.05% $25.00 NA Monthly Monthly
Roth IRA Savings 0.05% 0.05% $25.00 NA Monthly Monthly
Coverdell Savings 0.05% 0.05% $25.00 NA Monthly Monthly
Select the IRA Savings account you want to open.

1 = Annual Percentage Yield

2 = This certificate allows you the flexibility to increase your rate or add to your balance during the certificate term. You have the choice to do one rate bump up per current term and one additional deposit, up to the original amount of the certificate at the current term.

Effective Date: May 1, 2020

Account Annual Percentage Rate Loan Amount
(min/max)
Loan Term
Odyssey Rewards World Elite Mastercard as low as 6.99% $25,000/$100,000 revolving
Choice Rewards World Mastercard as low as 8.25% $10,000/$35,000 revolving
Platinum Rewards Mastercard as low as 7.99% $500/$25,000 revolving
Platinum Mastercard as low as 6.99% $500/$25,000 revolving
Platinum Secured Mastercard as low as 9.00% $500/$25,000 revolving
Select the All Credit Cards account you want to open.

Effective Date: December 1, 2020

Account Annual Percentage Rate 1 Loan Amount
(min/max)
Loan Term
Personal Line of Credit as low as 9.00% 2 $500/$25,000 revolving (no set term)
Personal Loan as low as 6.70% $500/$35,000 24
as low as 7.70% $500/$35,000 36
as low as 9.20% $5,000/$35,000 48
as low as 10.20% $10,000/$35,000 60
as low as 11.20% $15,000/$50,000 72
as low as 12.20% $20,000/$50,000 84
Stock Secured Loan as low as 4.50% $25,000/$1,000,000 60
as low as 5.00% $50,000/$1,000,000 96
as low as 5.10% $100,000/$1,000,000 144
Stock Secured Line of Credit as low as 9.00% 3 $25,000/$500,000 revolving (no set term)
Savings Secured Loan Savings account rate
plus 3.00%
$500/$500,000 60
Savings account rate
plus 3.00%
$20,000/$500,000 96
Certificate Secured Loan Certificate account
rate plus 3.00%
$500/$500,000 to certificate maturity
Select the Personal account you want to open.

Effective Date: December 1, 2020

Account Annual Percentage Rate 1 Loan Amount
(min/max)
Loan Term
New Motorcycle/Scooter Loan
(0-1 model years)
as low as 6.10% $1,500/$100,000 60
Used Motorcycle Loan
(2-5 model years)
as low as 6.60% $1,500/$100,000 60
RV, Boat*, Camper, and
Travel Trailers Loans
(0-1 model years)


(Excludes "pop-up" trailers
and mounted canopy shells)

PLEASE NOTE:

- Used RV, Boat, Camper and
Travel Trailers Loan (2-5 model
years) add 0.50%;
- Older Used (6-10 model years)
add 1.00% to the advertised
new rate.
- All RVs, Boats, Campers and
Trailers must be titled in the 
state borrower resides.

*Boat maximum loan amount
$500,000

as low as 4.40% $1,500/$300,000 60
as low as 4.55% $5,000/$300,000 72
as low as 4.80% $20,000/$300,000 84
as low as 5.00% $50,000/$300,000 120
as low as 5.05% $50,000/$300,000 144
as low as 5.30% $75,000/$300,000 180
Select the Recreational account you want to open.

Effective Date: December 1, 2020

Account Annual Percentage Rate 1 Loan Amount
(min/max)
Loan Term
5-Year Fixed Term Loan as low as 2.80% $5000/$500,000 5 years
7-Year Fixed Term Loan as low as 3.35% $7,000/$500,000 7 Years
10-Year Fixed Term Loan as low as 3.80% $10,000/$500,000 10 years
15-Year Fixed Term Loan as low as 4.20% $20,000/$500,000 15 years
40% Balloon Loan as low as 6.35% $20,000/$500,000 15 years
50% Balloon Loan as low as 6.50% $20,000/$500,000 15 years
1-5 Year Interest Only Loan 6 as low as 6.35% $10,000/$500,000 15 years
6-10 Year Interest Only Loan 6 as low as 7.15% $20,000/$500,000 15 years
Select the Student Loan Refinance account you want to open.

1 = APR = Annual Percentage Rate. Actual rate will be determined based on the applicant’s credit history, primary State of residency, collateral financed, mileage and final loan terms. Offer is subject to normal credit qualifications, meeting First Technology Federal Credit Union’s relationship requirements, and underwriting policy guidelines. Interest rate and program terms are subject to change without notice. Additional restrictions may apply.

2 = 9.00% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $500. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 5.1.2020, the variable rate for line of credit is 9.00% APR to 18.00% APR. Minimum monthly payment of 4% or $40, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

3 = 9.00% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $25,000. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 5.1.2020, the variable rate for line of credit is 9.00% APR to 18.00% APR. Minimum monthly payment of 2% or $10, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

4 = Savings Secured Loan Example uses the Membership Savings account rate + 3.00%.

5 = Certificate Secured Loan Example uses the 60 month share certificate account rate + 3.00%.

6 = Interest only payments will vary each month based on the number of days in each payment cycle and the date and amount of the prior monthly payment. 

Effective Date: December 01, 2020

Loan Rate Points 1 APR 2 Payment
30 Year Fixed Rate Home Loan - Purchase 2.375% 0.000 2.418% $388.65
20 Year Fixed Rate Home Loan - Purchase 2.250% 0.375 2.353% $517.81
15 Year Fixed Rate Home Loan - Purchase 1.875% 0.375 2.008% $637.77
10 Year Fixed Rate Home Loan - Purchase 3.125% 0.125 3.272% $971.39
5/1 Adjustable Rate Mortgage - Purchase 2.625% 0.000 2.834% $401.65
5/5 Adjustable Rate Mortgage - Purchase 2.750% 0.000 2.378% $408.24
7/1 Adjustable Rate Mortgage - Purchase 2.625% 0.000 2.806% $401.65
10/1 Adjustable Rate Mortgage - Purchase 2.875% 0.000 2.920% $414.89
30 Year Fixed Rate Jumbo - Purchase 3.250% 0.000 3.291% $2611.24
5/1 Adjustable Rate Mortgage Jumbo - Purchase 2.625% 0.000 2.829% $2409.90
5/5 Adjustable Rate Mortgage Jumbo - Purchase 2.750% 0.000 2.374% $2449.45
7/1 Adjustable Rate Mortgage Jumbo - Purchase 2.625% 0.000 2.801% $2409.90
10/1 Adjustable Rate Mortgage Jumbo - Purchase 2.875% 0.000 2.915% $2489.35
ASSUMPTION 3

Effective Date: March 18, 2020

Account Annual Percentage Rate 4 Estimated monthly payment based on $100,000
Flexity Line of Credit 3.25% variable
5-Year Fixed Home Equity Loan 4.00% $1,841.65
10-Year Fixed Home Equity Loan 4.75% $1,048.48
15-Year Fixed Home Equity Loan 5.25% $803.88
20-Year Fixed Home Equity Loan 5.50% $687.89
30-Year Fixed Home Equity Loan Due in 15 Years 7.75% $716.41
Select the Home Equity product you want to apply for?

1 = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.

2 = APR=Annual Percentage Rate= A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.

3 = Annual Percentage Rates (APR) are calculated based on a loan amount of $100,000 for all products except the Jumbo Fixed and ARMs are based on a loan amount of $600,000. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a .50% origination fee, and some third-party fees. It does not include other closing costs or points associated with the rate displayed. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. Sample payments shown include only principal and interest. These mortgage rates are based upon a variety of assumptions and conditions some of which may include a credit score of 740 or higher. Your loans interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. Assumes an owner-occupied purchase or refinance of a single family detached residence with a down payment or equity of 25%. If your down payment or equity is less than 20%, mortgage insurance will be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available.

4 = Note: 30-Year Fixed home Equity Loan Due in 15 Years will result in a balloon payment of $76,110.77 after 180 monthly payments.

Hazard insurance is required and flood insurance may be required if the property is located in a flood zone. Payments do not include amounts for property taxes and insurance premiums. Actual payments may be higher.

APR = Annual Percentage Rate. Stated APRs assume that the borrower has an excellent credit history and that the property is a single family primary residence.

This rate sheet is not a credit decision or a commitment to lend and your rate will depend on various factors including your type of loan, credit profile, property value, occupancy, loan size, etc. Rates and product availability may also vary based on the State or region in which your financed property is located. Offer is subject to normal credit qualifications. Rates are subject to change. Consult your tax advisor regarding the deductibility of interest. Some restrictions may apply. You can submit an application online or by calling 503.350.4595 and speaking with one of our Equity Loan Consultants.

Flexity Line of Credit
Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 3.18.2019, the variable rate for new home equity lines of credit is Prime + 0.00% to Prime + 6.75% (3.25% APR to 10.00% APR). Your rate will not exceed 18.00% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply after the first year. You can lock-in up to three, fixed-rate loans under one line of credit. Your first fixed rate lock is free, each additional rate-lock is $25.

Fixed Rate Home Equity Loans
Fixed Annual Percentage Rate (APR) is available for first and second lien position home equity installment loans. APR calculation assumes a combined loan-to-value of 80%. The 30-Year fixed rate loan due in 15 Years will have a monthly payment calculated using a 30 year amortization period with a balloon payment due in 15 years.

Closing Cost Estimates
First Tech will pay standard closing costs on your behalf for opening home equity lines and loans, excluding any State or local taxes if applicable. Standard closing costs are generally between $350.00 and $950.00, and vary by State and loan/line size.