Savings Accounts
Grow your money faster with competitive rates and smart savings tools designed to help you reach your goals.
Earn up to 8x the national average on your savings. No gimmicks, no teaser rates—just consistently competitive returns on your hard-earned money.
Open High-Yield SavingsSavings Account Options
- 4.25% APY on balances up to $25,000
- No monthly maintenance fees
- 6 free withdrawals per month
- Automatic savings tools
- NCUA insured up to $250,000
- Only $5 minimum to open
- No monthly fees
- Unlimited deposits
- Easy access to your funds
- Round-up savings available
- Tiered rates up to 3.75% APY
- Check-writing privileges
- Debit card access
- No monthly fee with $2,500 balance
- Great for emergency funds
Smart Savings Tools
Building wealth is easier with the right tools. Our digital banking features help you save automatically and stay motivated.
Goal Tracking
Set savings goals and track your progress with visual dashboards and milestone celebrations.
Round-Up Savings
Automatically round up debit card purchases to the nearest dollar and save the difference.
Automatic Transfers
Schedule recurring transfers from checking to savings on your payday.
Savings Lock
Optionally lock your savings to prevent impulsive withdrawals and stay on track.
See Your Savings Grow
With our High-Yield Savings account, a $10,000 deposit could earn you over $425 in the first year alone—compared to just $50 at the average bank.
Frequently Asked Questions
How is the APY calculated?
APY (Annual Percentage Yield) reflects the total interest earned in a year, including compound interest. Interest is compounded daily and credited monthly.
Are there withdrawal limits?
You can make up to 6 free withdrawals per month. Additional withdrawals may incur a small fee. There are no limits on deposits.
Is my money insured?
Yes! All deposits are federally insured by the NCUA up to $250,000 per member, per account type. Your money is safe and secure.
Can I open multiple savings accounts?
Absolutely! Many members open separate accounts for different goals—emergency fund, vacation, home down payment, etc.
Ready to get started?
Join over 600,000 members who trust First Tech with their financial future.