Credit union · NCUA insured
First Tech Federal Credit Union Savings Rates
First Tech Federal Credit Union’s best savings rate is 0.01% APY on $10,000, with its Membership Savings. Rates checked October 16, 2026.
How First Tech Federal Credit Union’s savings 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
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $350
First Tech Premier Rewards Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
First Tech Federal Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified3.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
First Tech Premier Rewards Savings
3.50%APY
Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.50% | $350 |
Sources (1)
- firsttechfed.com/rates · captured Oct 16, 2026
First Tech Rewards Savings
Up to 3.00%APY
Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).Any balance | 3.00% | $300 | Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures). |
| Any balanceNon-Qualified rate: Applied when qualification requirements for the monthly cycle are not met.Any balance | 0.01% | $1 | Non-Qualified rate: Applied when qualification requirements for the monthly cycle are not met. |
Membership Savings
0.01%APY
Must complete payment of one share ($5 minimum balance required) as a condition of membership. No monthly account maintenance fee. Monthly dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.01% | — |
| Over $1,000 | 0.01% | $1 |
Sources (1)
- firsttechfed.com/rates · captured Oct 16, 2026
Special-purpose accounts
Start Up Savings
0.05%APY
Limited to one (1) Start Up Savings Account per primary account owner. Primary account owner must be under the age of 18. Membership required ($5 minimum balance). No monthly account maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 4.00% | — |
| $1,000 and up | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
IRA Instant Access Savings
0.20%APY
Includes Traditional IRA Instant Access Savings and Roth IRA Instant Access Savings wrappers. Tiered dividends on higher balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 16, 2026
IRA Savings
0.01%APY
Includes Traditional IRA Savings and Roth IRA Savings wrappers. No set-up or monthly maintenance fees. No minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- firsttechfed.com/bank/iras · captured Oct 16, 2026
Closed to new customers
Instant Access Savings
0.10%APY
Legacy Savings: Existing accounts only. Products are not currently offered for new accounts or account conversions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.10% | $10 |
| $100,000 – $250,000 | 0.15% | — |
| $250,000 and up | 0.20% | — |
Sources (1)
- firsttechfed.com/rates · captured Oct 16, 2026
Carefree Savings
0.01%APY
Legacy Savings: Existing accounts only. Products are not currently offered for new accounts or account conversions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
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.