Credit union · NCUA insured
First Tech Federal Credit Union CD Rates
First Tech Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Tech Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where First Tech Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Tech Federal Credit Union
3.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $350
Traditional Share Certificates
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
First Tech Federal Credit Union CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Tech Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Traditional Share Certificates
Up to 3.50%APY · 6 terms
No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.00% | 3.25% | 3.00%3.25% from $100k | $74 |
| 6 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $161 |
| 9 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $243 |
| 12 months | 3.50% | 3.75% | 3.50%3.75% from $100k | $350 |
| 48 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $1,365 |
| 60 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $1,734 |
Sources (1)
- firsttechfed.com/rates · captured Oct 16, 2026
Bump Up Share Certificates
Up to 3.15%APY · 3 terms
Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsAdd more money once per term | 3.15% | 3.40% | 3.15%3.40% from $100k | $476 |
| 24 monthsAdd more money every 12 months | 2.90% | 3.15% | 2.90%3.15% from $100k | $588 |
| 36 monthsAdd more money every 12 months | 3.00% | 3.25% | 3.00%3.25% from $100k | $927 |
Special-purpose accounts
IRA Certificates
Up to 3.25%APY · 9 terms
Applies to Traditional and Roth IRA Certificate accounts. Dividend compounded and credited monthly and at maturity. Fixed rate/APY; subsequent deposits not allowed (except Bump Up). Automatic renewal. No set-up or monthly maintenance fees. $500 minimum balance.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.00% | 3.25% | 3.00%3.25% from $100k | $74 |
| 6 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $161 |
| 9 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $243 |
| 12 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $325 |
| 18 months18-Month Bump Up | 3.15% | 3.40% | 3.15%3.40% from $100k | $476 |
| 24 months24-Month Bump Up | 2.90% | 3.15% | 2.90%3.15% from $100k | $588 |
| 36 months36-Month Bump Up | 3.00% | 3.25% | 3.00%3.25% from $100k | $927 |
| 48 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $1,365 |
| 60 months | 3.25% | 3.50% | 3.25%3.50% from $100k | $1,734 |
Closed to new customers
Legacy IRA Certificates
3.45%APY · 1 term
Existing accounts only. Products are not currently offered for new accounts or account conversions. 13-Month Bump Up.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 13 months | 3.45% | 3.55% | 3.45%3.55% from $100k | $374 |
Sources (1)
- firsttechfed.com/rates/iras · captured Oct 16, 2026
Legacy Share Certificates
Up to 3.45%APY · 3 terms
Existing accounts only. Products are not currently offered for new accounts or account conversions.
| Term | APY · Any balance | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 13 months13-Month Bump Up | — | 3.45% | 3.55% | 3.45%3.55% from $100k | $374 |
| 24 months | 1.35% | — | — | 1.35% | $272 |
| 36 months | 1.35% | — | — | 1.35% | $410 |
Sources (1)
- firsttechfed.com/rates · captured Oct 16, 2026
Who can join First Tech Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, or worship in a participating community.
Employers and groups
- Membership is open to individuals who belong to a participating organization, which can be joined at a branch location or within the online application.
- Membership is open to individuals who work for one of over 1,700 partner companies (such as Amazon, Microsoft, or Intel).
Military, government and schools
- Membership is open to individuals who work for the State of Oregon.
Family and household
- Membership is open to individuals who have a family or household member who is already a First Tech member.
Other ways
- Membership is open to individuals who live in a participating condominium association.
Membership information collected October 5, 2026.