Get up to Earn 4.35% Annual Percentage Yield (APY)4.35% APYRates effective as of 04/07/2025. 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. If the Share Certificate Account has a term to maturity less than one (1) year twelve (12) months, the penalty imposed will equal 90 days of simple dividends, whether or not earned. with a promotional share certificate

Move moneyEligible 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. to First Tech and lock in a great rate that protects against market volatility

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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 6, 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 term13-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. 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.
Add funds once during your term13-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. 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.
Get higher yields over a set time, compared to conventional savings accounts
Enjoy no account set-up fees or maintenance fees

Term	APY	Apply
6-month share certificate	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=52e22c43-c116-40d8-aaa9-02d019e50cc7"> 04/07/2025</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. If the Share Certificate Account has a term to maturity less than one (1) year twelve (12) months, the penalty imposed will equal 90 days of simple dividends, whether or not earned.	Open an Account
13-month bump up share certificate	Earn 4.25% Annual Percentage Yield (APY)4.25% 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"> 04/07/2025</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. If the Share Certificate Account has a term to maturity of between twelve (12) months and twenty-four (24) months, the penalty imposed will equal 180 days of simple dividends, whether or not earned.	Open an Account
24-month bump up share certificate	Earn 4.15% Annual Percentage Yield (APY)4.15% 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"> 04/07/2025</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. If the Share Certificate Account has a term to maturity of between twelve (12) months and twenty-four (24) months, the penalty imposed will equal 180 days of simple dividends, whether or not earned.	Open an Account
36-month bump up share certificate	Earn 4.05% Annual Percentage Yield (APY)4.05% 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"> 04/07/2025</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. If the Share Certificate Account has a term to maturity greater than two (2) years twenty-four (24) months, the penalty will equal 270 days simple dividends, whether or not earned.	Open an Account