Fortera Credit Union High-Yield Savings & Money Market Rates

How Fortera Credit Union’s savings 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
2.00%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$200
High-Yield Savings
Top rate
Altra Federal Credit Union
3.75%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$375
Altra Federal Credit Union rates
2nd-highest rate
FNB Bank
3.42%APY
Requires
Another account
Minimum
$10,000
Earns on $10,000 a year
$342
FNB Bank rates

Compare savings rates near you →

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.00%
$10,000 balance$10,0002.00%
$100,000 balance$100,0003.00%
QualifiedQualified2.00%

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.

How the score works →

Where Fortera Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

High-Yield Savings

2.00%APY$25 to open

Requires Fortera Credit Union membership. No monthly fee or minimum balance required to earn interest.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Tier for balances $0 - $24,999.99. Dividends compounded and credited monthly.	2.00%	$200	Tier for balances $0 - $24,999.99. Dividends compounded and credited monthly.
$25,000 – $50,000Tier for balances $25,000.00 - $49,999.99. Dividends compounded and credited monthly.	2.25%	—	Tier for balances $25,000.00 - $49,999.99. Dividends compounded and credited monthly.
$50,000 – $100,000Tier for balances $50,000.00 - $99,999.99. Dividends compounded and credited monthly.	2.50%	—	Tier for balances $50,000.00 - $99,999.99. Dividends compounded and credited monthly.
$100,000 – $250,000Tier for balances $100,000.00 - $249,999.99. Dividends compounded and credited monthly.	3.00%	—	Tier for balances $100,000.00 - $249,999.99. Dividends compounded and credited monthly.
$250,000 and upTier for balances $250,000.00 or more. Dividends compounded and credited monthly.	3.50%	—	Tier for balances $250,000.00 or more. Dividends compounded and credited monthly.

Sources (1)

forteracu.com/banking/personal…vings/high-yield-savings · captured Oct 15, 2026

Premium Money Market

1.00%APYPromotional$25,000 to open

New money only. Eligibility requirements apply (same credit union membership requirements). Tiered account; dividend rate applies to entire account balance once minimum daily balance reaches tier.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $24,999New Money Only. Dividends compounded and credited monthly.	1.00%	$100	New Money Only. Dividends compounded and credited monthly.
$25,000 – $49,999New Money Only. Dividends compounded and credited monthly.	1.25%	—	New Money Only. Dividends compounded and credited monthly.
$50,000 – $99,999New Money Only. Dividends compounded and credited monthly.	1.50%	—	New Money Only. Dividends compounded and credited monthly.
$100,000 – $250,000New Money Only. Dividends compounded and credited monthly.	1.75%	—	New Money Only. Dividends compounded and credited monthly.
$250,000 and upNew Money Only. Dividends compounded and credited monthly.	3.00%	—	New Money Only. Dividends compounded and credited monthly.

Sources (2)

All captured Sep 18, 2026

ChangeUp Savings

0.15%APY

Available for teen (ages 13+) and adult members with an active checking account and debit card. Debit card purchases are rounded up to the nearest dollar and deposited into the account; no additional deposits or automated transfers permitted.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,000Tier applies to balances from $0.00 to $2,000.00; minimum balance of $0.01 to earn stated APY. Dividends compounded and credited quarterly.	1.50%	—	Tier applies to balances from $0.00 to $2,000.00; minimum balance of $0.01 to earn stated APY. Dividends compounded and credited quarterly.
Over $2,000Tier applies to balances of $2,000.01 and above. Dividends compounded and credited quarterly.	0.15%	$15	Tier applies to balances of $2,000.01 and above. Dividends compounded and credited quarterly.

Sources (2)

All captured Oct 15, 2026

Money Market

0.50%APY$2,500 to open

Eligibility: 18+ years old; live, work, worship, or attend school in service regions (counties in TN/KY, or other eligible counties in TN, KY, AL, AR), join affiliated partner, or immediate family member of a Fortera member; must have Share Savings Account. Tiered account; dividend rate applies to entire account balance once minimum daily balance reaches tier. $12 monthly service fee avoided by maintaining minimum balance each day during fee cycle.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $9,999Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.	0.50%	—	Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.
$10,000 – $24,999Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.	0.50%	$50	Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.
$25,000 – $49,999Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.	0.50%	—	Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.
$50,000 – $74,999Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.	0.50%	—	Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.
$75,000 – $99,999Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.	0.50%	—	Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.
$100,000 and upDividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.	0.50%	—	Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.

Sources (2)

All captured Sep 18, 2026

Share Savings

0.10%APY$10 to open

Primary membership savings account establishing credit union membership. Requires opening with $10 and a one-time $5 membership fee. Must be 18 years or older and meet service region or affiliate eligibility.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upRequires minimum balance of $50 to earn stated APY. Dividends compounded monthly and credited quarterly.$50 and up	0.10%	$10	Requires minimum balance of $50 to earn stated APY. Dividends compounded monthly and credited quarterly.

Sources (1)

forteracu.com/banking/personal…ry-savings/share-savings · captured Oct 15, 2026

Spare Share Savings

0.05%APY

Secondary savings account for emergency funds or specific savings goals. Must be 18 years or older and meet eligibility requirements.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upRequires minimum balance of $50 to earn stated APY. Dividends compounded monthly and credited quarterly.$50 and up	0.05%	$5	Requires minimum balance of $50 to earn stated APY. Dividends compounded monthly and credited quarterly.

Sources (2)

All captured Oct 15, 2026

Special-purpose accounts

Cumulative IRA Share

0.15%APYIRA

Tiered IRA share savings account. Rate applies to the entire account balance once the minimum daily balance reaches the balance range for that tier. Early withdrawal penalties and fees may reduce earnings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Tier for balances $5.00 - $9,999.99; minimum balance of $5.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.	0.10%	—	Tier for balances $5.00 - $9,999.99; minimum balance of $5.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.
$10,000 – $25,000Tier for balances $10,000.00 - $24,999.99; minimum balance of $10,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.	0.15%	$15	Tier for balances $10,000.00 - $24,999.99; minimum balance of $10,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.
$25,000 – $50,000Tier for balances $25,000.00 - $49,999.99; minimum balance of $25,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.	0.15%	—	Tier for balances $25,000.00 - $49,999.99; minimum balance of $25,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.
$50,000 – $75,000Tier for balances $50,000.00 - $74,999.99; minimum balance of $50,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.	0.20%	—	Tier for balances $50,000.00 - $74,999.99; minimum balance of $50,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.
$75,000 – $100,000Tier for balances $75,000.00 - $99,999.99; minimum balance of $75,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.	0.20%	—	Tier for balances $75,000.00 - $99,999.99; minimum balance of $75,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.
$100,000 and upTier for balances $100,000.00 +; minimum balance of $100,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.	0.20%	—	Tier for balances $100,000.00 +; minimum balance of $100,000.00 to earn stated APY. Dividends compounded quarterly. Tier rate applies to entire balance.

Sources (1)

forteracu.com/rates · captured Oct 15, 2026

Flex Savings

0.10%APYKids and teens$5 to open

Designed for teens ages 13 to 17 (or under 13 with guardian's written consent). Requires legal guardian as joint account holder. Automatically converts to Share Savings at age 18.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upRequires minimum balance of $25 to earn stated APY. Dividends compounded monthly and credited quarterly.$25 and up	0.10%	$10	Requires minimum balance of $25 to earn stated APY. Dividends compounded monthly and credited quarterly.

Sources (1)

forteracu.com/banking/personal…uth-savings/flex-savings · captured Oct 15, 2026

Sprout Savings

0.10%APYKids and teens$5 to open

Designed for children ages 12 and under. Requires a legal guardian to serve as custodian. Membership fees waived.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upRequires minimum balance of $25 to earn stated APY. Dividends compounded monthly and credited quarterly.$25 and up	0.10%	$10	Requires minimum balance of $25 to earn stated APY. Dividends compounded monthly and credited quarterly.

Sources (1)

forteracu.com/banking/personal…ings/youth-savings/youth · captured Oct 15, 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.

Check membership requirements ↗Branches and institution details

← Fortera Credit Union overview

How Fortera Credit Union’s savings rates compare

Fortera Credit Union savings score

Current savings rates

High-Yield Savings

Premium Money Market

ChangeUp Savings

Money Market

Share Savings

Spare Share Savings

Special-purpose accounts

Cumulative IRA Share

Flex Savings

Sprout Savings

Who can join Fortera Credit Union

Where you live or work

Employers and groups

Family and household