loading...

Adult Savings Accounts

Save where you are more than your money.

Establish your credit union membership and manage your money with ease using any of these classic savings options.

Share Savings Account

Your ticket to credit union membership for only $10.

Spare Share Savings Account

The best safety net or goal-savings account ever.

ChangeUp Savings Account

Automate your savings with ease.

FAQs

Who is eligible to open a Share Savings Account?

+

To be able to open a Share Savings Account, 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.

How much does it cost to open a Share Savings Account?

+

We charge $10 to open a Share Savings Account. $5 goes directly into your account as your account minimum and $5 is a one-time membership fee. We like to keep it simple.

What are dividends and how do they work for the Share Savings Account?

+

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Share Savings Account earns dividends quarterly as long as your account has at least $50 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 set up automatic transfers to a Share Savings account?

+

Yes! We make depositing in this account easy. Simply let one of our team members know that you would like to do this when you open your Share Savings Account or do it yourself in our Online Banking Portal.

What documents do I need to open a Share Savings account?

+

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.

How much does it cost to open a Spare Share Savings Account?

+

We charge $5 to open a Spare Share Savings Account. That $5 goes directly into your account as your account minimum.

Who is eligible to open a Spare Share Savings Account?

+

To be able to open a Spare Share Savings Account, 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.

Can I set up automatic transfers to a Spare Share Savings account?

+

Yes! We make depositing in this account easy. Simply let one of our team members know that you would like to do this when you open your Spare Share Savings Account or do it yourself in our Online Banking Portal.

What documents do I need to open a Spare Share Savings account?

+

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.

What are dividends and how do they work for the Spare Share Savings Account?

+

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Spare Share Savings Account earns dividends quarterly as long as your account has at least $50 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 a Spare Share Savings account online or do I need to open it at a branch location?

+

You can open this account online or in-person. The choice is yours.

Can I set up automatic transfers to the ChangeUp Savings Account?

+

This account is designed to be automatic. Every purchase made with your debit card is rounded up to the nearest dollar and that extra change is then deposited into your ChangeUp Account. You cannot automate additional transfers to this account.

Can I connect multiple Checking Accounts to the same ChangeUp Account?

+

No, members may only connect one debit card and one checking account (the debit card and checking account must be connected) to a ChangeUp Savings Account.

How much does it cost to open a ChangeUp Savings Account?

+

This account is the definition of accessible to everyone. It only takes one penny to open it. You heard us right!

Can I add additional deposits to the ChangeUp Savings Account?

+

No additional deposits may be added to the ChangeUp account.

Who is eligible to open a ChangeUp Savings Account?

+

To be able to open a ChangeUp Savings Account, you must meet the following eligibility requirements: (1) You must be 13 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 have an eligible checking account and debit card.

What are dividends and how do they work for the ChangeUp Savings Account?

+

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The ChangeUp Savings Account earns dividends quarterly as long as your account has at least $0.01 deposited in it. You heard us right, that is a single cent. 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.

What documents do I need to open a ChangeUp Savings account?

+

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.

What's New