Offer valid for new members and accounts opened at firsttechfed.com. Must be at least 18 years old to participate in the offer. Available on personal accounts only. First Tech employees are ineligible. All accounts must remain open, and in good standing, as defined in the Limitation and Termination of Services section in the Membership and Account Agreement, on day of payout. First Tech will deposit the rewards into the Membership Share Accounts of both parties within 30 days of the referred member meeting requirements. Referring members: (1) Will receive one $50 reward per qualified, new member up to an annual referral bonus total of $1,000. (2) Must be members for at least 30 days before being eligible to refer new members and receive rewards. Referred members: (1) To qualify for the $50 reward, must establish membership and open a checking account. Account opening subject to approval. (2) Within 30 days of checking account opening, must deposit at least $250 in new funds into their First Tech checking account and maintain an average daily balance of at least $250 for 30 days from initial deposit. New funds must be deposited from a source outside First Tech. Transfers between First Tech accounts will not qualify. (3) Limited to one $50 reward and not available in combination with other new member offers. For referring members, reward amounts may be reported on IRS form 1099-MISC. For referred members, the reward is considered interest and may be reported on IRS form 1099-INT. Rates effective as of 6.1.20. Qualifying Checking Accounts: Carefree Checking 0.00% APY (Annual Percentage Yield); First Checking Plus 0.05% APY; Dividend Rewards Checking (DRC) 1.50% Qualified APY on the first $15,000 and 0.10% APY on remaining balance; DRC Non-Qualified 0.05% APY on all balances. Opening a Membership Savings Account with a deposit of $5.00 is required prior to opening any other type of accounts. Membership Savings has a 0.05% APY. Rates subject to change at any time. Terms and conditions may apply.

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