Share Savings

Where money thrives and people do too.

Our Share Savings Account is our easy-to-use savings account and your ticket to becoming a Fortera member.

Share Savings 101

Open more than just a savings account.
Whatever you’re saving for, all you need is $10 to open a share savings account and become a member of Fortera Credit Union. When you join us, you become part of a not-for-profit (yep) financial cooperative with the sole mission of helping its members thrive. Decisions about how we put your money to work are made by you, not shareholders working in some high-rise building somewhere. Around here, our members are in charge.

With your Share Savings Account, you get more than membership and sound financial guidance — you earn dividends on your savings, enjoy surcharge-free ATMs all around the world, and get access to all sorts of other accounts created with you in mind.

If you’re still curious about credit unions, here’s a little more info about the most people-friendly way to manage your money (in our humble opinion).

Share Savings Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Share Savings Account
Dividend Rate:
$50 Minimum Balance to Earn Stated APY
Dividends Compounded:
Dividends Credited:

*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.

Fees may reduce earnings on the account. Rate may change after account opening.

Click the button below to see our Rate and Fee Disclosure.

Share Savings Account 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 extra earnings for all your hard-won savings.)

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.

Access your cash

Enjoy limitless (yep) cash withdrawals from any branch. Nothing like the smell of your own hard-saved green.

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.

Get started!

Start saving by opening your Share Savings Account online 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.

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.

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 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.

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.

What does it mean when you say a Share Savings account “establishes my credit union membership”?


This is the account we ask all of our members to open to join Fortera Credit Union. When you open this account, you pay a one-time $5 membership fee. This secures you as a life long Fortera Credit Union member. As a member, you help us determine the future of the credit union.

All members are encouraged to attend our annual meeting and speak with credit union leadership (yep, that includes our Board Members and CEO) about what you want most from your financial provider.

Your opinions and your voice will have a big impact on our plans. We want to do what our members want most. Think of membership like your right to vote on the future of the credit union.

This is reminiscent of how credit unions started. A few people pitched in to loan money (just a dollar or two) to friends and family when loans from larger banks were inaccessible and that's how it all began.

Yeah, it's a little sentimental, but we like it. It reminds us of where we came from, how far we can go, and who were created to serve.

Can I open a 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.

Savings Calculator


What will it take to help reach your savings goals? This financial calculator helps you find out. Enter in your savings plan and view graphically your financial results. Click the report button to get more information about your plan, and what you can do to make sure that it is on track.

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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:
Fees and Rates
View PDF