Business Rates

Rates you can smile about.

Fortera Credit Union Business Rates - effective November 4, 2022. See Consumer Rates here.

Business Share Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Business Share
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$50 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Not-for-Profit Share
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$50 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Organizational Club Share
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$50 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Family Readiness Group (FRG)
Dividend Rate:
N/A
APY*:
N/A
Balances:
N/A
Dividends Compounded:
N/A
Dividends Credited:
N/A

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

Penalties will/may be imposed for early withdrawal on time accounts. Fees may reduce earnings on the account. Rate may change after account opening. Rate is accurate as of July 15, 2022. Rate may change after account opening.

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

Business Special Share Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Business ChangeUp Share | $0.00 -$2000.00
Dividend Rate:
1.491%
APY*:
1.50%
Balances:
$0.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Business ChangeUp Share | $2000.01 +
Dividend Rate:
0.150%
APY*:
0.15%
Balances:
$0.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly

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

Penalties will/may be imposed for early withdrawal on time accounts. Fees may reduce earnings on the account. Rate may change after account opening. Rate is accurate as of July 15, 2022. Rate may change after account opening.

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

Business Checking Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Essential Checking
Dividend Rate:
N/A
APY*:
N/A
Balances:
$100.00 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Gold Checking
Dividend Rate:
0.050%
APY*:
0.05%
Balances:
$2,500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Not for Profit Checking
Dividend Rate:
0.050%
APY*:
0.05%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Organizational Club
Dividend Rate:
N/A
APY*:
N/A
Balances:
$25.00 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Family Readiness Group
Dividend Rate:
N/A
APY*:
N/A
Balances:
$25.00 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A

*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Penalties will/may be imposed for early withdrawal on time accounts. Rate may change after account opening.

Business Money Market Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Business Money Market | $10,000.00 - $49,999.99
Dividend Rate:
0.200%
APY*:
0.20%
Balances:
$10,000.00 Minimum Opening Deposit
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Business Money Market | $50,000.00- $99,999.99
Dividend Rate:
0.399%
APY*:
0.40%
Balances:
$10,000.00 Minimum Opening Deposit
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Business Money Market | $100,000 +
Dividend Rate:
0.499%
APY*:
0.50%
Balances:
$10,000.00 Minimum Opening Deposit
Dividends Compounded:
Monthly
Dividends Credited:
Monthly

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

The Business Money Market and Business Premium Money Market are tiered accounts. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.

The fee cycle for all accounts subject to the minimum daily balance requirement begins on the first day of the month and ends on the last day of the month. The minimum balance must be maintained in the account each day during the fee cycle to avoid the fee.

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

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

Business Fixed-Rate Certificate Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Business Fixed-Rate Certificate | 12 Months
Dividend Rate:
2.231%
APY*:
2.25%
Balances:
$1,000.00 Minimum Opening Deposit
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Business Fixed-Rate Certificate | 18 Months
Dividend Rate:
2.476%
APY*:
2.50%
Balances:
$1,000.00 Minimum Opening Deposit
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Business Fixed-Rate Certificate | 36 Months
Dividend Rate:
2.771%
APY*:
2.80%
Balances:
$1,000.00 Minimum Opening Deposit
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly

*APY = Annual Percentage Yield. APY is accurate as of July 15, 2022. No additional deposits are allowed except at maturity or during the grace period.

Early Withdrawal Penalty Fees could reduce earnings. Penalties will/may be imposed for early withdrawal on time accounts. Fees may reduce earnings on the account. Rate is accurate as of July 15, 2022. Rate may change after account opening.

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

Business Access Certificate Rate

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Business Access Certificate | 12 Months
Dividend Rate:
2.231%
APY*:
2.25%
Balances:
$25.00 Minimum Opening Deposit
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly

*APY = Annual Percentage Yield. APY is accurate as of November 4, 2022. Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal is allowed during the term.

Penalties will/may be imposed for early withdrawal on time accounts. Early Withdrawal Penalty Fees could reduce earnings. Rate is accurate as of November 4, 2022.

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

Don't see the account you are looking for?

It may no longer be an active offering. Everyone has to retire sometime. To see our retired products and promotions, please see our Business Rate and Fee Disclosure.

Consumer Rates

The credit union difference is real and nowhere more obvious than our incredibly low rates. Check them out. We promise they are worth the double-take.