Credit union · NCUA insured
Fortera Credit Union CD Rates
Top CarrotFortera Credit Union’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Fortera Credit Union’s CD rates compare
Compared with banks and credit unions near Clarksville, TN-KY, where Fortera Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fortera Credit Union
4.00%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,167
Fixed-Rate Certificate
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Planters Bank
4.13%APY
- Term
- 30 months
- Minimum
- $2,500
- Earns on $10,000
- $1,065
Fortera Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Fortera Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Fixed-Rate Certificate
Up to 4.00%APY · 7 terms
Must be 18 years of age or older, meet credit union field of membership eligibility, and maintain a Share Savings Account. Additional deposits are not allowed. Fixed rate for term. Balance minimum to earn stated APY is $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded quarterly. Additional deposits not allowed | 3.70% | $183 |
| 12 monthsDividends compounded quarterly. Additional deposits not allowed | 3.75% | $375 |
| 18 monthsDividends compounded quarterly. Additional deposits not allowed | 3.80% | $575 |
| 24 monthsDividends compounded quarterly. Additional deposits not allowed | 3.80% | $774 |
| 36 monthsDividends compounded quarterly. Additional deposits not allowed | 3.85% | $1,200 |
| 48 monthsDividends compounded quarterly. Additional deposits not allowed | 3.90% | $1,654 |
| 60 monthsDividends compounded quarterly. Additional deposits not allowed | 4.00% | $2,167 |
Sources (2)
All captured Oct 5, 2026
Choice Certificate
Up to 3.90%APY · 2 terms
Must be 18 years of age or older, meet credit union field of membership eligibility, and deposit new money not previously invested in the credit union.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsNew Money Only. Dividends compounded and credited quarterly. One bump rate allowed after the first 12 months and additional new money deposit allowed at the time of bumping (minimum deposit $1,000.00) | 3.75% | $1,168 |
| 60 monthsNew Money Only. Dividends compounded and credited quarterly. Two bump rates allowed after the first 12 months and additional new money deposit allowed at the time of bumping (minimum deposit $1,000.00) | 3.90% | $2,108 |
Smart Start Variable Rate Certificate
3.70%APY · 1 term
Must be 18 years of age or older, meet credit union field of membership eligibility, and have a Share Savings Account. Variable rate certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsDividends compounded and credited quarterly. Additional deposits allowed during the term, $5 minimum. The dividend rate & APY are subject to change during the term | 3.70% | $754 |
Access Certificate
2.75%APY · 1 term
Must be 18 years of age or older, meet credit union field of membership eligibility (live, work, worship, or attend school in service regions; join affiliated partner; or immediate family of member), and have a Share Savings Account to establish membership. Allows additional deposits (minimum $5) and one penalty-free withdrawal during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and credited quarterly. Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal is allowed during the term | 2.75% | $275 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Fixed Rate IRA Certificate
Up to 4.00%APY · 6 terms
Must provide proof of income, meet credit union membership eligibility, and maintain a Share Savings Account. No deposits allowed except at maturity or during the grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded quarterly. No deposits allowed except at maturity or during the grace period | 3.75% | $375 |
| 18 monthsDividends compounded quarterly. No deposits allowed except at maturity or during the grace period | 3.80% | $575 |
| 24 monthsDividends compounded quarterly. No deposits allowed except at maturity or during the grace period | 3.80% | $774 |
| 36 monthsDividends compounded quarterly. No deposits allowed except at maturity or during the grace period | 3.85% | $1,200 |
| 48 monthsDividends compounded quarterly. No deposits allowed except at maturity or during the grace period | 3.90% | $1,654 |
| 60 monthsDividends compounded quarterly. No deposits allowed except at maturity or during the grace period | 4.00% | $2,167 |
Sources (2)
All captured Oct 5, 2026
Variable Rate IRA Certificate
3.70%APY · 1 term
Must provide proof of income, meet credit union membership eligibility, and maintain a Share Savings Account. Additional deposits allowed, $5 minimum. Dividend rate and APY subject to change during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsDividends compounded quarterly. Additional deposits allowed, $5 minimum. Dividend rate & APY are subject to change during the term | 3.70% | $560 |
Sources (2)
All captured Oct 5, 2026
Smart Start IRA Certificate
3.65%APY · 1 term
Must provide proof of income, meet credit union membership eligibility, and maintain a Share Savings Account. Additional deposits allowed during the term, $5 minimum. Early withdrawal subject to penalty/fee equal to 90-day dividend.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded quarterly. Additional deposits allowed during the term, $5 minimum | 3.65% | $365 |
Sources (2)
All captured Oct 5, 2026
Who can join Fortera Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, or attends school in Fortera's service regions in Tennessee (Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties) or Kentucky (Christian, Trigg, Todd, McLean, and Webster counties).
Employers and groups
- Membership is available through a qualifying association membership, with Fortera covering the membership fee.
- Membership is available by joining an affiliated partner.
Family and household
- Membership is open to individuals who have an immediate family member who is a Fortera member.
Membership information collected October 5, 2026.