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First Tech Routing #321180379

Share Certificates

Promotional Bump Up CertificatesEligible Funds: 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.

With share certificates, you can earn top-tier returns without taking on unnecessary risk. These low-risk investments from First Tech are easy to open and renew. As a bonus, there are no account setup or maintenance fees.

Promotional 13-month Bump Up Share Certificate

Earn 4.35% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 03/01/2025</span></span>. 13 month term required to obtain the advertised APY. $500 minimum balance required. The maximum amount of each additional deposit is up to the original amount of the share certificate at the start of the current term. You have the option once to exchange the dividend rate for a new dividend rate that is currently offered on the same term share certificate. You have the option once per term to make one (1) additional deposit. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account.

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Promotional 24-month Bump Up Share Certificate

Earn 4.15% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 03/01/2025</span></span>. 24 month term required to obtain the advertised APY. $500 minimum balance required. The maximum amount of each additional deposit is up to the original amount of the share certificate at the start of the current term. You have the option within each twelve (12) months of the current term for terms equaling or exceeding twenty-four (24) months to exchange the dividend rate for a new dividend rate that is currently offered on the same term share certificate. You have the option within each twelve (12) months of the current term to make one (1) additional deposit. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account.

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Promotional 36-month Bump Up Share Certificate

Earn 4.05% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 03/01/2025</span></span>. 36 month term required to obtain the advertised APY. $500 minimum balance required. The maximum amount of each additional deposit is up to the original amount of the share certificate at the start of the current term. You have the option within each twelve (12) months of the current term for terms equaling or exceeding twenty-four (24) months to exchange the dividend rate for a new dividend rate that is currently offered on the same term share certificate. You have the option within each twelve (12) months of the current term to make one (1) additional deposit. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account.

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Bump Up Certificates

13-month Bump Up Share Certificate

Earn 3.35% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 03/01/2025</span></span>. 13 month term required to obtain the advertised APY. $500 minimum balance required. The maximum amount of each additional deposit is up to the original amount of the share certificate at the start of the current term. You have the option once to exchange the dividend rate for a new dividend rate that is currently offered on the same term share certificate. You have the option once per term to make one (1) additional deposit. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account.

Apply now

24-month Bump Up Share Certificate

Earn 3.00% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 03/01/2025</span></span>. 24 month term required to obtain the advertised APY. $500 minimum balance required. The maximum amount of each additional deposit is up to the original amount of the share certificate at the start of the current term. You have the option within each twelve (12) months of the current term for terms equaling or exceeding twenty-four (24) months to exchange the dividend rate for a new dividend rate that is currently offered on the same term share certificate. You have the option within each twelve (12) months of the current term to make one (1) additional deposit. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account.

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36-month Bump Up Share Certificate

Earn 2.90% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=73160ff4-6835-4cbc-98c3-18a830952a64"> 03/01/2025</span></span>. 36 month term required to obtain the advertised APY. $500 minimum balance required. The maximum amount of each additional deposit is up to the original amount of the share certificate at the start of the current term. You have the option within each twelve (12) months of the current term for terms equaling or exceeding twenty-four (24) months to exchange the dividend rate for a new dividend rate that is currently offered on the same term share certificate. You have the option within each twelve (12) months of the current term to make one (1) additional deposit. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account.

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Traditional Certificates

6-month Share Certificate

Earn 3.50% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=52e22c43-c116-40d8-aaa9-02d019e50cc7"> 03/01/2025</span></span>. 6 month term required to obtain the advertised APY. $500 minimum balance required. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account.

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60-month Share Certificate

Earn 3.00% Annual Percentage Yield (APY) Rates effective as of <span class="rate effective-date"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=52e22c43-c116-40d8-aaa9-02d019e50cc7"> 03/01/2025</span></span>. 60 month term required to obtain the advertised APY. $500 minimum balance required. All withdrawals of principal before the Maturity Date are subject to early withdrawal penalties. Fees could reduce earnings on the account.

Apply now

Types of Share Certificates: Find Your Match

At First Tech, you can choose from a wide variety of certificates to find a term that fits your investment goals. You can also use a share certificate ladder to spread your investment across multiple certificates with different terms.

Traditional 6 and 60-Month Share Certificates

At First Tech, you can choose from a wide variety of certificates to find a term that fits your investment goals. You can also use a share certificate ladder to spread your investment across multiple certificates with different terms.

Traditional certificates terms range from 6 and 60-month, providing flexibility for you and your investment goals.

This option could be a great choice if you:

  • Want a high-yield account with low-risk
  • Have at least $500 to invest
  • Prefer a hands-off approach to savings

Bump-Up Share Certificates

If you want the security of a certificate but think interest rates might rise, First Tech’s bump-up certificates could be your ideal investment match. Our bump-up certificates are available in terms ranging from 13 to 36 months. Should rates rise before your certificate matures, you’ll be rewarded with a higher interest rate for the duration of your term.

Bump up certificates are a great choice for:

  • Flexible Rate and Balance options: Enjoy the ability to increase your rate or balance during the term, giving you more control over your investment.
  • Low-Risk Investment: A safer alternative to the stock market, providing peace of mind while growing your savings
  • Hands-Off Savings: Perfect for those who prefer a straightforward approach to savings to money.
Share Certs 101 video

Share Certificates 101

Saving money? In this economy?
Yep. Absolutely. 

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Frequently Asked Questions

We don't have a maximum balance amount for our Share Certificates, however we do have a $500 minimum opening deposit.

Note: All deposited funds with us are federally insured up to $250,000 by the National Credit Union Administration (NCUA).In addition, each Individual Retirement Account (IRA) account is insured separately by NCUA. Each IRA account is insured for up to at least $250,000.

If you're currently a member, you can open the account in Online Banking.

Learn more about banking with us and become a member.

Our Share Certificates are a great option if you're looking to lock-in a rate with a high yield account without sacrificing safety. With terms ranging from six months to five years and the ability to lock-in a guaranteed rate, our certificates can be a great asset for those wanting to see their money grow without the fear of loss. View our share certificate rates.

First Tech only offers share certificates to members. Both share certificates and CDs are designed to grow your savings faster in exchange for a commitment not to withdraw the principal amount before an agreed period of time. For both of types of account, if you withdraw any of the principal amount early, you typically lose any of the earnings accumulated, and there may be other penalties for early withdrawal. CDs are offered by traditional banks and they are insured by the Federal Deposit Insurance Corporation, or FDIC. Share certificate accounts, on the other hand, are offered by member-owned, not-for-profit credit unions. Money in a certificate at First Tech is federally insured by the National Credit Union Administration, or NCUA, for up to $250,000. Learn the basics of share certifications and how they can help you reach your savings goals.

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