Business Rates
Rates you can smile about.
Fortera Credit Union Business Rates - effective January 20, 2021.
Business Share Account Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Business Share
|
Dividend Rate:
0.150%
| APY*:
0.15%
| Balances:
$50 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
Not-for-Profit Share
|
Dividend Rate:
0.150%
| APY*:
0.15%
| Balances:
$50 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
Organizational Club Share
|
Dividend Rate:
0.150%
| APY*:
0.15%
| 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
|
Limited to six (6) preauthorized, automatic, telephonic, or audio response transfers to another account with us or to a third party during a fee cycle.
Business Special Share Account Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Business ChangeUp Share | $0.00 -$2000.00
|
Dividend Rate:
1.986%
| APY*:
2.00%
| Balances:
$0.01 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
Business ChangeUp Share | $2000.01 +
|
Dividend Rate:
0.199%
| APY*:
0.20%
| Balances:
$0.01 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
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:
0.148%
| APY*:
0.15%
| 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
|
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:
0.499%
| APY*:
0.50%
| 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:
0.499%
| APY*:
0.50%
| 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
|
Transactions are limited to six (6) transfers or withdrawals during a monthly statement cycle to another account of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order made by the depositor and payable to third parties.
Business Fixed-Rate Certificate Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Business Fixed-Rate Certificate | 12 Months
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$1,000.00 Minimum Opening Deposit
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
Business Fixed-Rate Certificate | 18 Months
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$1,000.00 Minimum Opening Deposit
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
Business Fixed-Rate Certificate | 36 Months
|
Dividend Rate:
0.445%
| APY*:
0.45%
| Balances:
$1,000.00 Minimum Opening Deposit
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
No additional deposits allowed except at maturity or during the grace period.
Business Access Certificate Rate
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Business Access Certificate | 12 Months
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$25.00 Minimum Opening Deposit
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal allowed during the term.
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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.