Fixed-Rate Share Certificate

Save hard without a second thought.

Fixed-Rate Share Certificate 101

A certificate is an earnings-driven savings account, similar to a CD in the traditional banking world. Our Fixed-Rate Share Certificate offers quarterly dividends and competitive rates, only takes $1,000 to start up, and allows you flexible terms of anywhere from 6 to 60 months.

Higher earnings go low maintenance.

Saving big can be simple (pinky swear). Our Fixed-Rate Share 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.

Fixed Share Certificate Rate

Term Dividend Rate APY* Minimum Deposit
Term:
6 Months
Dividend Rate:
0.250%
APY*:
0.25%
Minimum Deposit:
$1,000
Term:
12 Months
Dividend Rate:
0.349%
APY*:
0.35%
Minimum Deposit:
$1,000
Term:
18 Months
Dividend Rate:
0.399%
APY*:
0.40%
Minimum Deposit:
$1,000
Term:
24 Months
Dividend Rate:
0.445%
APY*:
0.45%
Minimum Deposit:
$1,000
Term:
36 Months
Dividend Rate:
0.445%
APY*:
0.45%
Minimum Deposit:
$1,000
Term:
48 Months
Dividend Rate:
0.499%
APY*:
0.50%
Minimum Deposit:
$1,000
Term:
60 Months
Dividend Rate:
0.548%
APY*:
0.55%
Minimum Deposit:
$1,000

No additional deposits allowed except at maturity or during the grace period.

Fixed-Rate Share Certificate Benefits

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.

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 by with a little help

Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.

Start saving!

Saving big is no biggie. Open a Fixed-Rate Share Certificate on your own terms today.

Need a hand?

Tag us in. Whether you are on your couch or halfway around the world, use Fortera Video Chat to get quick answers from a friendly face.
Does the Fixed Rate Certificate have any fees?
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The Fixed Rate Certificate does not have any service or operating fees, however there could be penalties if funds are withdrawn before the end of the term length.

Who is eligible to open a Fixed Rate Certificate?
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To be able to open a Fixed Rate 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.

How much does it cost to open a Fixed Rate Certificate?
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The minimum deposit required to open a Fixed Rate Certificate is $1,000.

What are dividends and how do they work for the Fixed Rate 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 Fixed Rate Certificate earns divideneds quarterly as long as your account has at least $1,000 deposited in it. It is just another way we like to say thank you to our members for trusting us with your heard earned "dough". To learn more about what the current dividened rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

What is a Fixed Rate 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.

Can I add additional deposits to the Fixed Rate Certificate?
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Additional deposit are not allowed in the Fixed Rate Certificate.

What documents do I need to open a Fixed Rate Certificate account?
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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. For children, we have a variety of other documents we can use to verify identities. These include social security cards, birth certificates, medicaid cards, and insurance cards. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

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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:
Member Service Agreement
View PDF
Privacy Policy
View PDF
Rate and Fee Disclosure
View PDF