Last Updated: 04/18/2025
First Tech FCU Instant Access Savings Account
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.05% - 0.35%(Verified 06/21/2024)
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Minimum Opening Deposit
Starting at $5,000
Minimum Balance to Earn APY
N/A
First Tech FCU Instant Access Savings Account Review
First Tech FCU Instant Access Savings Account is offered by First Tech Federal Credit Union, a credit union founded in 1952 and based in San Jose, CA. First Tech savings account are available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. First Tech FCU Instant Access Savings Account has an annual percentage yield of up to 0.35%, which is higher than the average interest rate for savings accounts.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Large minimum initial deposit. You need a minimum deposit of $5,000 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- No ATM fees. First Tech FCU Instant Access Savings Account does not charge fees on ATM transactions .
First Tech savings account Pros & Cons
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First Tech savings account FAQ
Are savings accounts from First Tech federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does First Tech Federal Credit Union offer a signup bonus?
First Tech savings account doesn't offer a signup bonus.
What is the minimum initial deposit for First Tech savings account?
The minimum deposit to open a First Tech savings account is $5,000.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $5,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does First Tech FCU Instant Access Savings Account offer?
First Tech savings account offers a variable APY starting at 0.05% and ranging up to 0.35% (APY stands for annual percentage yield, rates may change).
What fees does First Tech savings account charge?
First Tech savings account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $15 fee.
- Outgoing international bank transfers come with a $40 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
What features and perks does First Tech savings account offer?
This savings account includes the following features:
- Fraud monitoring - First Tech savings account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
- Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - First Tech savings account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to First Tech savings account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 1:00PM