2014 high-yield checking: First Tech FCU

Checking » High-Yield Checking » Credit Unions » First Tech Federal Credit Union

First Tech Federal Credit Union in Mountain View, California, offers Dividend Rewards Checking, with a midrange annual percentage yield and a relatively low account balance to earn it. Bankrate's 2014 High-Yield Checking Survey breaks down the returns you can get with each account and the hoops you'll have to jump through to get them.

First Tech FCU

Location: Mountain View, CA

Nationally offered?APYAPY if conditions not metMonthly debit transactions requiredBill pay or automatic withdrawal required?Direct deposit required?Balance cap
Nationally offered? YAPY: 1.58%APY if conditions not met: 0.05%Monthly debit transactions required: 12Bill pay or automatic withdrawal required? Y*Direct deposit required? Y*Balance cap: $10,000


  • Dividend Rewards Checking: Available nationally.
  • Membership requires a $5 deposit into Membership Savings and $5 to Financial Fitness Associates.
  • Either one direct deposit or automatic withdrawal is required per month.
  • Debit purchases must be PIN transactions.
  • Balance above $10,000 yields 0.16%, if qualifications are met.
  • ATM refund: Unlimited, if qualifications are met.

*See notes section for more details. canvassed banks, thrifts and credit unions March 10-13 and reports data on 56 high-yield checking accounts offered by 54 institutions.



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