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Overview
We aim to make it easy to save.
We know that when our members feel financially savvy and secure, it benefits everyone in the long run. Have questions about which certificate is right for you? Just reach out. Our highly-trained staff is always ready to help our members succeed financially.
For a limited time, earn 5.25% APY* on our 7 month Fixed-Rate Certificate! The 7 month fixed-rate certificates will renew upon maturity as a 12 month certificate at the then current 12 month certificate rate. Certain restrictions may apply. Click here to learn more or click here to open online.
Savings made simple
One of our favorite safe-and-sound savings options is the certificate. These long-term earnings-driven savings accounts come in a variety of options. Choose the term length, withdrawal allowance, and dividends that work for you and start making #moneymoves in your sleep.
- Fixed-Rate Certificate: Higher earnings go low maintenance. Our Fixed Rate Certificate offers competitive rates and earns you quarterly dividends so you can reach your savings goals without thinking too hard about it. If you’re looking for a set-and-forget savings option you can always count on, you’ve found it.
- Access Certificate: Like a change jar only better. Thanks to a fixed rate, our Access Certificate can earn you a lot with just a little over a 12-month term. Drop in $25 to open and maintain, and up your savings game while keeping access to your money.
- Smart Start Certificate: A serious savings account made super easy. Patience pays off in more ways than one. If you’ve got $100 to put away for a few years, this certificate will make the wait worthwhile.
- Choice Certificate: Lock in the freedom to bump up your rate. Our Choice Certificate offers maximum flexibility, allowing you to withdraw funds once, bump up your rates as you go, deposit additional funds, and save over either a 36- or 60-month time frame.
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Rates
Fixed Rate Certificate Rates
Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded 7 Month Special** 5.15% 5.25% $1000 Quarterly 6 month 1.985% 2.00% $1000 Quarterly 12 month 4.426% 4.50% $1000 Quarterly 18 month 4.037% 4.10% $1000 Quarterly 24 month 4.088% 4.15% $1000 Quarterly 36 month 4.088% 4.15% $1000 Quarterly 48 month 4.088% 4.15% $1000 Quarterly 60 month 4.088% 4.15% $1000 Quarterly *APY = Annual Percentage Yield.
Early Withdrawal Penalty Fees could reduce earnings. Penalties will/may be imposed for early withdrawal on time accounts. Rate is accurate as of April 3, 2023.
Visit our disclosures page to see our Rate and Fee Disclosure.
**Annual Percentage Yield as of April 3, 2023. Deposits eligible for the 7-month certificate promotion must consist of funds that have not been on deposit at Fortera Credit Union within the past 30 days, or funds from certificates that have matured and are within the 7 day grace period for renewal. $1,000.00 Minimum balance to open. Fortera reserves the right to terminate this promotion at any time without notice.Access, Choice, and Smart Start Certificate Rates
Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded Dividends Credited Access Certificate / 12 Months 4.329% 4.40% $25.00 Quarterly Quarterly Smart Start Variable Rate Certificate / 24 months 3.989% 4.05% $100.00 Quarterly Quarterly Choice Certificate / 36 month / New Money Only 3.989% 4.05% $1,000.00 Quarterly Quarterly Choice Certificate / 60 Month / New Money Only 3.989% 4.05% $1,000.00 Quarterly Quarterly *APY = Annual Percentage Yield. APY is accurate as of April 3, 2023.
Access Certificate - Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal is allowed during the term.
Smart Start Variable Certificate - Additional deposits allowed during the term, $5 minimum. The dividend rate & APY are subject to change during the term.
Choice Certificate 36 Month - One bump rate allowed after the first 12 months and additional new money deposit allowed at the time of bumping minimum deposit of $1000.00.
Choice Certificate 60 Month - Two bump rates allowed after the first 12 months and additional new money deposit allowed at the time of bumping minimum deposit of $1000.00.
Early Withdrawal Penalty Fees could reduce earnings. Penalties will/may be imposed for early withdrawal on time accounts. Rate is accurate as of April 3, 2023.
Visit our disclosures page to see our Rate and Fee Disclosure.
