Primary Savings

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.

We Love to Save, It's Our Fave

No matter how you save - whether it's a little every day or a lot to reach a goal, we've got you covered. Check out our Share Savings Account (your ticket to credit union membership), our Spare Share Savings Account (best safety net ever), or our ChangeUp Savings Account (automate your savings with ease) and find the solution that is best for you.

Share Savings

Our easy-to-use ticket to becoming a Fortera member.

Whatever you’re saving for, all you need is $10 to open a share savings account and become a member of Fortera Credit Union. Enjoy earning dividends on your savings, surcharge-free ATMs all around the world, and access to all sorts of other accounts created with you in mind.

Spare Share Saving

Weave yourself a solid safety net.

Once you have an established Share Savings account, Spare Share is the first-best second savings account for building an emergency fund or putting away cash to plan for a big purchase.

ChangeUp Account

Go from small change to big savings.

Every purchase you make with your Fortera debit card gets rounded up to the nearest dollar. That extra change automatically deposits into your ChangeUp account for a rainy day.

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.
Who is eligible to open a Share Savings Account?
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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 Montgomery or Stewart counties in Tennessee or Christian, Trigg or Todd counties in Kentucky.

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

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

Does the Spare Share Savings Account have any fees?
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A $5 deposit is required to open a Spare Share Savings Account. That $5 goes directly into your account as your account minimum.

To learn more about our fees, check out our rate and fee disclosure.

How much does it cost to open a Spare Share Savings Account?
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We charge $5 to open a Spare Share Savings Account. That $5 goes directly into your account as your account minimum.

What are dividends and how do they work for the Spare Share Savings Account?
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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 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 add additional deposits to the ChangeUp Savings Account?
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No additional deposits may be added to the ChangeUp account.

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

Can I transfer money from my ChangeUp Account to a different Savings Account?
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To earn our high 2.00% Annual Percentage Yield (APY) on the first $2,000 in your ChangeUp savings account, members must keep their money in the ChangeUp account. Any transfers to a different account will not receive the high APY.

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