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also get one penalty-free withdrawal, just in case something comes up, and any and all dividends (aka interest) can be withdrawn anytime and used as you please.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 (aka interest aka free money) 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
Type:
Business Access Certificate | 12 Months
Dividend Rate:
0.299%
APY*:
0.30%
Balances:
$25.00 Minimum Opening Deposit
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly

Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal allowed during the term.

Business Access Certificate Benefits

Let’s team up

Our business services team is here to support you and everything you do. Anytime you need to talk shop, reach out directly to us at 931.436.9088 or email us at businessservices@forteracu.com.


We travel for business

On the road or at the conference, keep your money close with our mobile app and online banking.

Your network just got bigger

Our business members enjoy access to credit union branches and ATMs all around the world — surcharge-free. Learn more about how to find a Fortera-friendly credit union near you.

Save more earn more

Money still doesn’t grow on trees, but Fortera savings accounts do collect dividends quarterly. (Dividends are our version of interest, or in other words, free money.)

Goal setting made simple

Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.

Rest easy

With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.

Statements that save

....Trees, space, and worry. Always enjoy access to 18 months worth of e-statements. Keep more trees, toss your file cabinet, and know your info is always safe and sound.

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: 931.436.9088
  • Email: businessservices@forteracu.com

Need a hand?

That's what we are here for. Give us a call and let's chat face-to-face.

Does the Business Access Certificate have any fees?
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The Business Access Certificate does not have any service or operating fees. Members must maintain a $25 balance in order to keep the account open.

Who is eligible to open a Business Access Certificate?
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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 Montgomery or Stewart counties in Tennessee or Christian, Trigg or Todd counties in Kentucky. (3) You must be a business owner.

How much does it cost to open a Business Access Certificate?
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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?
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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?
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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?
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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?
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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 931.436.9088, email us at businessservices@forteracu.com, or schedule an appointment to open an account.

What is a Certificate?
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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 Member Service Agreement
View PDF
Privacy Policy
View PDF
Business Rate and Fee Disclosure
View PDF