What are the current interest rates at Fortera Federal Credit Union?

Current rates for Fortera Federal Credit Union include: Savings: 3.50%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Fortera Federal Credit Union

iAdvertiser Disclosure

Fortera Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Fortera Federal Credit Union?

Yes, to access services at Fortera Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fortera Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Fortera Federal Credit Union's top rates as of October 12, 2026 are 3.50% APY on savings, and 0.10% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Fortera Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.76%. Rates last updated and verified on 10/12/2026.

Fortera Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Fortera Federal Credit Union? Share your experience about Fortera Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Fortera Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.76%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Fortera Federal Credit Union
Main Office Branch

2050 Lowes Dr
Clarksville, TN 37040-1620

https://forteracu.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Fortera Federal Credit Union Savings Rates

Product	Rate	APY	View More
High-Yield Savings	-	3.50%
Details As High As; APY shown on homepage rate carousel Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

Fortera Federal Credit Union Checking Rates

Product	Rate	APY	View More
Full Circle Checking	0.10%	0.10%
Min Deposit $25 Min Balance $1,000 Details Qualifications Required; Balance: $1,000 and over; $1,000 Minimum Balance to Earn Stated APY; Dividends compounded monthly and credited monthly; $7.50 monthly fee refundable by meeting a qualification each month; Rate is accurate as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

Fortera Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	6.75%
Details As Low As; APR shown on homepage rate carousel Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

Fortera Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Fixed Rate Certificates	-	-	4.00%
Details As High As; APY shown on homepage rate carousel Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Fortera Federal Credit Union’s Texas Ratio fell from 4.30% in Q3 2023 to 3.76% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$947M	3.76%	5.0	A+
March 31, 2026	$939M	4.26%	5.0	A+
December 31, 2025	$928M	4.95%	5.0	A+
September 30, 2025	$914M	4.73%	5.0	A+
June 30, 2025	$904M	3.91%	5.0	A+
March 31, 2025	$895M	3.61%	5.0	A+
December 31, 2024	$873M	5.34%	5.0	A+
September 30, 2024	$884M	4.29%	5.0	A+
June 30, 2024	$884M	4.01%	5.0	A+
March 31, 2024	$897M	3.67%	5.0	A+
December 31, 2023	$876M	5.49%	5.0	A+
September 30, 2023	$873M	4.30%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Fortera Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Fortera Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Fortera Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fortera Federal Credit Union

Website https://forteracu.com

Address 2050 Lowes Dr, Clarksville, TN 37040-1620

Phone 931-431-6800

Fax 931-431-4387

President Linda Griffy

CEO Jennifer Ventimiglia

Full-Time Employees 197

Part-Time Employees 1

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.76%

Return on Assets (ROA)

0.7336%

Return on Equity (ROE)

5.7793%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

946,701,535

Total Amount of Shares and Deposits

819,294,439

Total Shares and Deposits < 1 Year

761,567,809

Total Shares and Deposits 1 3 Years

49,489,385

Total Shares and Deposits > 3 Years

8,237,245

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

73,340,060

Total Uninsured Shares and Deposits > $250K (F+J)

74,309,065

Total Insured Shares and Deposits > $250K (item 17 less item K)

744,985,374

Total Interest Expense (Sum of items 6 8)

6,987,101

Share Certificates

10,788

Number of Accounts for Share Drafts

49,481

IRA KEOGH Accounts

1,507

Number of Accounts for Regular Shares

105,323

All other shares

Non Member Deposits

Money Market Shares

1,607

Net Income (unless the amount is already included in Undivided Earnings)

6,945,302

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

74,411,623

Total Liabilities

830,410,205

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Fortera Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/fortera-federal-credit-union-rates-review-9759">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Fortera Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Fortera Federal Credit Union

Frequently Asked Questions About Fortera Federal Credit Union

How many branches does Fortera Federal Credit Union operate?

Fortera Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Fortera Federal Credit Union?

Yes, to access services at Fortera Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Fortera Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fortera Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Fortera Federal Credit Union offer online and mobile banking?

Most modern institutions like Fortera Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://forteracu.com.