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 You’ll also get one penalty-free withdrawal, just in case something comes up, and any and all dividends can be withdrawn anytime and used as you please.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 |
|---|---|---|---|---|---|
Type:
Business Access Certificate | 12 Months
|
Dividend Rate:
4.329%
| APY*:
4.40%
| Balances:
$25.00 Minimum Opening Deposit
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
*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 3, 2023.
Click the button below to see our Rate and Fee Disclosure.
Business Access Certificate Benefits
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.
On the road or at the conference, keep your money close with our mobile app and online banking.
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.
Money still doesn’t grow on trees, but Fortera savings accounts do collect dividends quarterly. (Dividends are extra earnings for all your hard-won savings.)
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.
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.
....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.
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
Need a hand?
Tag us in. Whether you are on your couch or halfway around the world, use our video chat to get quick answers from a friendly face. Give us a call and let us know how we can help.
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.
It cost $25 to open a Business Access Certificate. $25 is the required account minimum balance.
Additional deposits are allowed in this account. Each deposit must be a minimum of $5.
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.
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.
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.
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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