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First Tech Routing #321180379

Share Certificates

Promotional Bump Up Certificates

Promotional 13-month Bump Up Share Certificate

Earn 4.35% Annual Percentage Yield (APY)

Promotional 24-month Bump Up Share Certificate

Earn 4.15% Annual Percentage Yield (APY)

Promotional 36-month Bump Up Share Certificate

Earn 4.05% Annual Percentage Yield (APY)

Bump Up Certificates

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.

13-month Bump Up Share Certificate

Earn 3.35% Annual Percentage Yield (APY)

24-month Bump Up Share Certificate

Earn 3.10% Annual Percentage Yield (APY)

36-month Bump Up Share Certificate

Earn 2.95% Annual Percentage Yield (APY)

Traditional Certificates

6-month Share Certificate

Earn 3.50% Annual Percentage Yield (APY)

12-month Share Certificate

Earn 3.50% Annual Percentage Yield (APY)

60-month Share Certificate

Earn 3.00% Annual Percentage Yield (APY)

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 to 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 to 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. 

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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