New Member: Offer valid only for new members who join within 6 months of your Microsoft hire date. To qualify for the $100 bonus, you must open a Dividend Rewards Checking (DRC) account online at http://firsttechfed.com/MicrosoftOffer, at any First Tech branch or by phone at 855.855.8805. Your first direct deposit must be received in your DRC within 60 days of your new account opening. We will deposit the bonus into your Membership Share Account within 30 days after your direct deposit.

Dividend Rewards Checking minimum opening balance $0.01. As of 05.01.17, the Annual Percentage Yield (APY) is 1.58% on balances between $.01 and $10,000 and 0.16% APY on balances over $10,000 for each calendar month if the minimum qualification are met. Rates are subject to change after the account is open. Qualifications per monthly cycle are 12 debit card purchases, 1 direct deposit or ACH withdrawal, and receipt of electronic statements. Qualifying transactions must post to your account prior to the last day of the month. Debit card purchases can take up to 3 days to post and are dependent on merchant processing times. If the requirements per qualification period are not met, the dividend rate and corresponding APY earned will be the non-qualified rate. If you do not meet the qualification requirements you will still receive the bonus. The bonus is considered interest and will be reported on IRS form 1099-INT. Account is subject to approval and membership qualifications. Membership Savings Account required prior to obtaining other products or services. Rates, terms and conditions subject to change at any time.

Home and Vehicle Loans: Offers valid for Microsoft employees only and are subject to meeting First Tech Federal Credit Union’s membership requirements and underwriting policy guidelines. APR is annual percentage rate. Discounts cannot be combined with other offers and are subject to program guidelines. Rates and terms are subject to change without notice.

¹Insurance products offered through First Tech Insurance Services, a wholly-owned subsidiary of First Tech Federal Credit Union.

²Registered branch address: 1011 Sunset Blvd, Rocklin, CA 95765 | 855.744.8585

Financial Advisors offer securities through Raymond James Financial Services, Inc. Member FINRA/SIPC and securities are not insured by credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. First Tech Federal Credit Union and Addison Avenue Investment Services are not registered broker/dealers and are independent of Raymond James Financial Services, Inc. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.