Establish your credit union membership and manage your money with ease using any of these classic savings options.
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.
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.
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.
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.
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.
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.
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.
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.
We charge $5 to open a Spare Share Savings Account. That $5 goes directly into your account as your account minimum.
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.
No additional deposits may be added to the 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.
To earn our high 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. Visit our Rates page for the latest APY %.