Elevate your high-yield savings to 4.40% APYAPY=Annual Percentage Yield. Offer valid between October 1, 2025, and December 31, 2025 (Enrollment Period) for new to the Premier Rewards Banking program. Participant must:
• Be 18+ and the primary owner of a personal First Tech Premier Rewards Savings (FTPRS) account (excludes business, fiduciary, and organization accounts).
• Not be the primary owner of a FTPRS account currently or in the last 18 months.
o Existing First Tech Members are eligible provided they do not have an existing FTPRS account.
o Only the initial FTPRS account is eligible for the rate boost.
• Maintain all FTPRS accounts in good standing (not in default, closed, inactive, or otherwise not in good standing) from the time of enrollment through the time of payout.
First Tech may change or end the offer at any time without notice. Disputes must be submitted within 180 days of enrollment.
Enrollment:
• Starts the day an application is submitted for an FTPRS account.
• Applications must be submitted during the enrollment period.
Qualified Rate Boost:
• Boost Period: Available for up to three (3) months starting the day the FTPRS account application is submitted.
• Rate boost of 0.75% will be applied to current FTPRS Annual Percentage Yield (APY) as set forth on the First Tech Rate Sheet at Credit Union Rates and Fees | First Tech Credit Union . Rates are variable and subject to change.
• Applied only when the eligible Participant’s FTPRS meets existing Premier Rewards Banking Program qualifications. Failure to meet account qualifications will result in earning the non-qualified standard rate.
• Earned dividends may be reported on IRS Form 1099.
Example 1: A non-member submits an application for FTPRS accounts on December 31, 2025, and their account is opened on January 2, 2026. This new member will receive the APY rate boost on FTPRS balances when they meet monthly FTPRS qualifications for the January, February, and March cycles.
Example 2: An existing First Tech Member with a First Tech Rewards Checking (FTRC) account submits an application for FTPRS accounts on December 31, 2025, and their account is opened on January 2, 2026. This existing member will receive the APY rate boost on FTPRS balances when they meet monthly FTPRS qualifications for the January, February, and March cycles.
Evaluation: First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded and bonuses forfeited.

Get up to a $300Bonus Offer: A minimum direct deposit of $1,000 and up to $5,000 per month must be received to qualify for a one-time $50 bonus; and any direct deposits over $5,000 per month will qualify for a one-time $300 bonus. The monthly aggregate amount of all qualifying direct deposits must meet or exceed the tier minimum for the corresponding tier bonus. New direct deposit must occur at least once per calendar month from the Participant’s employer payroll or approved government benefits provider (e.g., Social Security) into the FTPRC account of which the Participant is the primary account owner. Direct deposits from any other source do not qualify. Direct deposits are considered new if there has been no direct deposit activity in the Participant's share accounts on which they are the primary owner within the previous 18 months. Non-direct deposits including, but not limited to, check deposits, wire transfers, transfers from another First Tech account, non-payroll ACH transfers, such as small business payments or owner distributions, transfers from another financial institution, person to person transfers, merchant transactions, and one-time bonus or tax reimbursements do not qualify. First Tech reserves the right to evaluate each account holder's Direct Deposit activity and Qualifying Deposits during each Enrollment Period at our sole discretion. To determine eligibility for bonuses, we may request additional documentation for verification. Any transactions that are not identified as direct deposits may be disqualified, and any applicable bonuses may be forfeited. Enrollment is the date of the initial direct deposit transaction. During the period commencing with Enrollment and ending 90 calendar days after Enrollment (“Enrollment Period”), at least one direct deposit transaction must occur each calendar month starting with the initial direct deposit transaction. A minimum of three direct deposit transactions must be received during the Enrollment Period. (EXAMPLE: If a member’s initial direct deposit is June 1, 2025, additional required direct deposits must occur at least once in each subsequent calendar month following the month in which the initial direct deposit is made, the last direct deposit must be received by August 31, 2025. Bonuses would be deposited by September 7, 2025.) Only the Participant will receive credit for the direct deposits. Any qualifying bonus will be deposited to the Participant’s Membership Savings account the first week following the Enrollment Period. Bonuses may be considered dividends and may be reported on the appropriate IRS form 1099. bonus when you set up a qualifying direct depositPromotion available to First Tech members that participate in the First Tech Premier Rewards Banking program. Participant must be 18 years of age or older and the primary account owner on a Membership Savings account, a First Tech Premier Rewards Savings (“FTPRS”) account, and a First Tech Premier Rewards Checking (“FTPRC”). FTPRS accounts must be personally owned. Trust, Business, or organization accounts are not eligible for this offer. First Tech Premier Rewards Banking program members will be enrolled upon receipt of new direct deposit transactions into any First Tech Premier Rewards Checking (“FTPRC”) known as (“Enrollment”). Membership is required and is subject to approval. To receive any bonus payout, in addition to satisfying the payout conditions set forth in this disclosure, the Membership Savings account must be in good standing (not in default, closed, inactive, or otherwise not in good standing) during the period commencing with Enrollment and ending with the applicable date of payout. First Tech reserves the right to modify or terminate this campaign at any time. Any inquiries or disputes will be resolved at the sole discretion of First Tech and must be received no later than 180 days after enrollment.

Premier Rewards members can now earn up to $300Bonus Offer: A minimum direct deposit of $1,000 and up to $5,000 per month must be received to qualify for a one-time $50 bonus; and any direct deposits over $5,000 per month will qualify for a one-time $300 bonus. The monthly aggregate amount of all qualifying direct deposits must meet or exceed the tier minimum for the corresponding tier bonus. New direct deposit must occur at least once per calendar month from the Participant’s employer payroll or approved government benefits provider (e.g., Social Security) into the FTPRC account of which the Participant is the primary account owner. Direct deposits from any other source do not qualify. Direct deposits are considered new if there has been no direct deposit activity in the Participant's share accounts on which they are the primary owner within the previous 18 months. Non-direct deposits including, but not limited to, check deposits, wire transfers, transfers from another First Tech account, non-payroll ACH transfers, such as small business payments or owner distributions, transfers from another financial institution, person to person transfers, merchant transactions, and one-time bonus or tax reimbursements do not qualify. First Tech reserves the right to evaluate each account holder's Direct Deposit activity and Qualifying Deposits during each Enrollment Period at our sole discretion. To determine eligibility for bonuses, we may request additional documentation for verification. Any transactions that are not identified as direct deposits may be disqualified, and any applicable bonuses may be forfeited. Enrollment is the date of the initial direct deposit transaction. During the period commencing with Enrollment and ending 90 calendar days after Enrollment (“Enrollment Period”), at least one direct deposit transaction must occur each calendar month starting with the initial direct deposit transaction. A minimum of three direct deposit transactions must be received during the Enrollment Period. (EXAMPLE: If a member’s initial direct deposit is June 1, 2025, additional required direct deposits must occur at least once in each subsequent calendar month following the month in which the initial direct deposit is made, the last direct deposit must be received by August 31, 2025. Bonuses would be deposited by September 7, 2025.) Only the Participant will receive credit for the direct deposits. Any qualifying bonus will be deposited to the Participant’s Membership Savings account the first week following the Enrollment Period. Bonuses may be considered dividends and may be reported on the appropriate IRS form 1099.when you also enroll in First Tech Premier Rewards Checking® with a qualifying direct depositPromotion available to First Tech members that participate in the First Tech Premier Rewards Banking program. Participant must be 18 years of age or older and the primary account owner on a Membership Savings account, a First Tech Premier Rewards Savings (“FTPRS”) account, and a First Tech Premier Rewards Checking (“FTPRC”). FTPRS accounts must be personally owned. Trust, Business, or organization accounts are not eligible for this offer. First Tech Premier Rewards Banking program members will be enrolled upon receipt of new direct deposit transactions into any First Tech Premier Rewards Checking (“FTPRC”) known as (“Enrollment”). Membership is required and is subject to approval. To receive any bonus payout, in addition to satisfying the payout conditions set forth in this disclosure, the Membership Savings account must be in good standing (not in default, closed, inactive, or otherwise not in good standing) during the period commencing with Enrollment and ending with the applicable date of payout. First Tech reserves the right to modify or terminate this campaign at any time. Any inquiries or disputes will be resolved at the sole discretion of First Tech and must be received no later than 180 days after enrollment.