Get up to Earn 4.35% Annual Percentage Yield (APY)4.35% APYRates 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"> 04/01/2025</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. with a promotional share certificate

With a share certificate, you can take advantage of a flexible savings strategy that helps your money grow. Lock in a great rate and maximize high yields, while maintaining freedom to bump up your rate if rates increase during your term.

Choose your own commitment length with options that include 13, 24 and 36–month terms, and a minimum opening balance of only $500. With this certificate you can:Membership is required and subject to approval.

• Bump up your rate if rates increase during your term<p>13-month term: You have the option once per term to make 1 additional deposit. The maximum amount of the additional deposit is up to the original amount of the share certificate at the start of the term. </p> <p>24/36-month term: You have the option within each 12 months of the current term to make 1 additional deposit. The maximum amount of each additional deposit is up to the original amount of the share certificate at the start of the current term.</p>
• Add funds once during your term<p>13-month term: You have the option once per term to make 1 additional deposit. The maximum amount of the additional deposit is up to the original amount of the share certificate at the start of the term. </p> <p>24/36-month term: You have the option within each 12 months of the current term to make 1 additional deposit. The maximum amount of each additional deposit is up to the original amount of the share certificate at the start of the current term.</p>
• Get higher yields over a set time, compared to conventional savings accounts
• Enjoy no account set-up fees or maintenance fees