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First Tech CD Rates for 2025

Review Updated
David Chang, ChFC®, CLU®
David Chang, ChFC®, CLU®
| 1 other [ + ]
Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

First Tech CDs, otherwise known as "share certificates," offer some of the highest rates out there. First Tech Federal Credit Union is a member-owned credit union with locations in eight states. Here's a close look at First Tech CD rates, including how they compare to other top online banks and how to decide if they are right for you.

First Tech CD rates

Rates as of April 22, 2025

APY = Annual Percentage Yield

Offer image for First Tech CD
First Tech CD
MINIMUM DEPOSIT $500
6 Mo. APY 1 Yr. APY 2 Yr. APY 3 Yr. APY 5 Yr. APY
3.60% 3.55% 1.80% 1.75% 3.00%

Is a high-yield savings account a better option for you?

A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.

Account APY Promotion Next Steps
up to 3.80%
Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
Min. to earn: $0
New customers can earn up to a $300 bonus with qualifying direct deposits!
3.60%
Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of April 8, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
N/A
4.00%
Rate info Circle with letter I in it. Balances less than $250,000 earn 4.00%, and balances greater than $250,000 earn 4.20%.
Min. to earn: $0
N/A
Open Account for Barclays Tiered Savings

On Barclays' Secure Website.

Compare First Tech CD rates

First Tech Federal Credit Union offers some of the highest APYs on the market. While banks offer certificates of deposits (CDs), credit unions offer their own equivalent -- they're called share certificates. See how First Tech Federal Credit Union's rates compare to some other banks below:

Rates as of April 22, 2025
Bank & CD Offer APY Term Min. Deposit Next Steps
LendingClub CD
Member FDIC.
Open Account for

On LendingClub's Secure Website.

APY:
4.10%
Term:
14 Months
Min. Deposit:
$500
Open Account for

On LendingClub's Secure Website.

Discover® Bank CD
Member FDIC.
Open Account for

On Discover Bank's Secure Website.

APY:
4.00%
Term:
1 Year
Min. Deposit:
$0
Open Account for

On Discover Bank's Secure Website.

Western Alliance Bank CD
Open Account for

On Raisin's Secure Website.

APY:
4.00%
Term:
6 Months
Min. Deposit:
$1
Open Account for

On Raisin's Secure Website.

First Tech CD review

First Tech Federal Credit Union offers two primary types of share certificates: traditional certificates and bump-up certificates. Rates are extremely competitive, NCUA-insured, and some of the highest we've come across.

First Tech Traditional Share Certificates

PROS

  • High interest rates
  • Six to 60 month terms offered
  • No account set-up or maintenance fees

CONS

  • May need to pay to become a member
  • Limited number of physical branches

First Tech Bump-up Share Certificates

PROS

  • High interest rates
  • Flexibility to bump up rate or balance
  • No account set-up or maintenance fees

CONS

  • Only 13-month, 24-month, and 36-month terms offered
  • May need to pay to become a member
  • Limited number of physical branches

For both types of share certificates, the early withdrawal penalty is six months of interest for certificates of one to two years and for certificates longer than two years, the penalty is nine months of interest. The minimum opening deposit is $500.

First Tech Federal Credit Union only has 37 branches in eight states, so unless you live close to the Oregon-based credit union, you will need to be comfortable with online banking.

Who is a First Tech Federal Credit Union share certificate right for?

The First Tech Federal Credit Union traditional share certificates are right for those who want to earn a high interest rate and are comfortable with online banking. A bump-up certificate is right for those who want the flexibility to bump up their rate or account balance during the term.

Bottom line: First Tech Federal Credit Union CD rates

First Tech CD
  • 6 APY: 3.60%
  • 12 APY: 3.55%
  • 24 APY: 1.80%
  • 36 APY: 1.75%
  • 60 APY: 3.00%
Show All Rates [+] Hide All Rates [-]
Rates as of April 22, 2025

APY = Annual Percentage Yield

Term
First Tech CD
6 Mo.
1 Yr.
2 Yr.
3 Yr.
5 Yr.
3.60%
3.55%
1.80%
1.75%
3.00%

Our CDs methodology

At Motley Fool Money, certificates of deposit (CDs) are rated on a scale of one to five stars, primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.

Learn more about how Motley Fool Money rates bank accounts.

FAQs

  • If you're looking for a high interest rate share certificate with a term of six to 60 months or less, or a bump-up certificate 13 to 36 months, First Tech Federal Credit Union might be a good fit for you.

  • First Tech Federal Credit Union CDs offer some of the highest rates in the market. CDs and share certificates are a safe way to grow your money if you don't need it for day-to-day expenses, prefer a hands-off approach to savings, and want a less-risky alternative to the stock market.