Instant Access Savings
Step up your savings and earn more.
- Earn tiered dividends rates
- Keep your funds liquid
- Stay connected to your money anytime, anywhere
Earn up to 0.30% Annual Percentage Yield (APY)0.30% Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=398cf174-1b8f-471f-aaba-e7d337955071"> 03/17/2025</span></span>. Rate may change after the account is opened. APY is <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=470835f6-d5f4-4671-a83b-c7d2b7a6d201"> <span class="rate-prefix">Earn up to </span><span class="rate-link">0.15%</span><span class="rate-type"> Annual Percentage Yield (APY)</span><span class="rate-range"></span><span class="rate-range-nolink"></span><span class="rate-only-nolink">0.15%</span> </span></span> on balances between $0.01 - $99,999.99, <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=68e2cea0-d293-4447-a22b-76f7b19498a8"> <span class="rate-prefix">Earn up to </span><span class="rate-link">0.25%</span><span class="rate-type"> Annual Percentage Yield (APY)</span><span class="rate-range"></span><span class="rate-range-nolink"></span><span class="rate-only-nolink">0.25%</span> </span></span> on balances between $100,000 - $249,999.99 and <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=97b87300-d1cf-4dd5-89e3-f38715ad3b3a"> <span class="rate-prefix">Earn up to </span><span class="rate-link">0.30%</span><span class="rate-type"> Annual Percentage Yield (APY)</span><span class="rate-range"></span><span class="rate-range-nolink"></span><span class="rate-only-nolink">0.30%</span> </span></span> on $250,000 and above. $25 minimum opening deposit. No minimum balance required to obtain the advertised APY. Fees could reduce the earnings on the account.
Instant Access Savings
Tiered dividends for larger balances.
This account fits those who:
- Keep more than $25.00 in savings
- Want easy access to funds while earning higher dividends
Reap the benefits.
You'll benefit from:
- Tiered dividends on larger balances
- No monthly account maintenance fees
- No early withdrawal fees
- Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide
Manage your money when and where you want
- Withdraw funds at any time
- Access your account online from our Mobile App
- Deposit checks with our free Mobile App
- Enter a branch at nearly 6,000 CO-OP shared branch locations
Peace of mind
- Balances are insured up to $250,000 by the NCUA
- Secure online access
- Optional automatic overdraft transfers for your First Tech checking account
Check out our related resources.
Rate Sheet and Fee Schedule
Membership and Account Agreement
Limitation and Termination of Service Policy