Business Access Certificate

Big growth starts small.

Business Access Certificate 101

A certificate is an earnings-driven savings account, similar to a CD, or Certificate of Deposit in the traditional banking world. Our Business Access Certificate offers a fixed rate that sets you up for dependable savings over a 12-month term. It only takes $25 to open and maintain your Business Access Certificate, plus you can make additional deposits over $5 any time you want.

Put aside a little, get back a lot.

With a Business Access Certificate, you’ll earn competitive rates on the smallest of deposits. You’ll also get one penalty-free withdrawal, just in case something comes up, and any and all dividends can be withdrawn anytime and used as you please.

Year-round bonuses

Get a free pass
We understand that things don’t always go as planned, especially in business. Enjoy one penalty-free withdrawal from your 12-month certificate, no questions asked.

Dividends are always fair game
You earned them, after all. Withdraw your dividends any time, no penalty.

Keep the deposits coming
Boost your initial investment with an extra deposit of $5 or more, penalty-free, any time. Most traditional certificates don’t allow more than one deposit, but what can we say? We’re not like the rest.

Business Access Certificate Rate

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Business Access Certificate | 12 Months
Dividend Rate:
$25.00 Minimum Opening Deposit
Dividends Compounded:
Dividends Credited:

*APY = Annual Percentage Yield. APY is accurate as of April 3, 2023. Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal is allowed during the term.

Penalties will/may be imposed for early withdrawal on time accounts. Early Withdrawal Penalty Fees could reduce earnings. Rate is accurate as of April 4, 2024.

Click the button below to see our Rate and Fee Disclosure.

Business Access Certificate Benefits

Get growing

To kick your business savings habits up a notch, reach out today.

Take our card. If you're creative and courageous, you're our kind of person.

  • Phone: 931.431.6800
  • Email: businessservices@forteracu.com

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Who is eligible to open a Business Access Certificate?


To be able to open a Business Access Certificate, you must meet the following eligibility requirements: (1) You must be 18 years of age or older (2) You must live, work, worship, or attend school in one of our service regions; join an affiliated partner, or have an immediate family member who is a Fortera member. Our service regions include Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties in Tennessee or Christian, Trigg, Todd, McLean, and Webster counties in Kentucky. Residents of other counties in Tennessee, Kentucky, Alabama, and Arkansas may also be eligible. (3) You must have a Share Savings Account to establish Fortera Credit Union Membership. (4) You must be a business owner.

How much does it cost to open a Business Access Certificate?


It cost $25 to open a Business Access Certificate. $25 is the required account minimum balance.

Can I add additional deposits to the Business Access Certificate?


Additional deposits are allowed in this account. Each deposit must be a minimum of $5.

What documents do I need to open the Business Access Certificate?


To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800 or chat with us at forteracu.com. Please click here for full list of the documents you will need.

What are dividends and how do they work for the Business Access Certificate?


Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Business Access Certificate earns dividends quarterly as long as your account has at least $25 deposited in it. It is just another way we like to say thank you to our members for trusting us with your hard-earned "dough". To learn more about what the current dividend rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

Can I open the Business Access Certificate online or do I need to open it at a branch location?


You do need to call us or come into a branch to open this account. We are working toward having easy online applications soon. In the meantime, please call us at 931.431.6800, email us at businessservices@forteracu.com, or schedule an appointment to open an account.

What is a Certificate?


A certificate is an earnings-driven savings account, similar to a CD in the traditional banking world. Each one comes with a variety of options in regards to term length, rate types, and flexibility.

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What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Business Rate and Fee Disclosure
View PDF