Heads up! Our branches will be closed on Monday, October 9 in observance of Columbus Day. All Fort Financial branches will reopen for normal business hours on Tuesday, October 10. For a complete list of our holiday schedule and hours, please click here.

Fort Financial Credit Union
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Certificates and IRAs

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Which long-term savings option is right for you?

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Property

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Life Insurance

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Personal Insurance

Certificates

Check out our Certificates.

Traditional IRA Certificate

Check out our Traditional IRA Certificate.

Roth IRA Certificate

Check out our Roth IRA Certificate.

Interest Checking Account

Check out our Interest Checking Account

Access Checking Account

Check out our Access Checking Account

Standard Checking Account

Check out our Standard Checking Account

You can choose from a variety of certificates and Individual Retirement Account (IRA) options to find the one that best supports your long-term savings plans.

Certificates

  • Save money for a set period of time while earning a set rate of return
  • $500 minimum opening balance
  • 3- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principal is withdrawn before the maturity date
  • Limited time special: Earn 5.55% APY* when you open a 12-month Jumbo Certificate! Contact us for more details or visit a branch to open your certificate.
  • Limited time special: Earn up to 5.00% APY** when you open a 12-month Certificate! Contact us for more details or to open your certificate.
  • Limited time special: Earn up to 4.25% APY*** when you open an 18, 24 or 30-month Certificate! Contact us for more details or to open your certificate.

Visit a branch to open an account

Traditional IRA Share Accounts

  • Save for retirement while your earnings grow tax-deferred until withdrawn
  • $1 minimum opening balance
  • Deposits are accepted at any time
  • Withdrawals can be made at any time
  • Contributions may be tax deductible. Consult a tax advisor.

Visit a branch to open an account

Traditional IRA Certificates

  • A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn
  • $500 minimum opening balance
  • 12- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principal is withdrawn before the maturity date
  • Contributions may be tax deductible. Consult a tax advisor.
  • Limited time special: Earn 5.55% APY* when you open a 12-month IRA Jumbo Certificate! Contact us for more details or visit a branch to open your certificate.
  • Limited time special: Earn up to 5.00% APY** when you open a 12-month IRA Certificate. Contact us for more details.
  • Limited time special: Earn up to 4.25% APY*** when you open an 18, 24 or 30-month IRA Certificate. Contact us for more details.

Visit a branch to open an account

Roth IRA Share Accounts

  • A retirement savings options where contributions are not tax deductible
  • $1 minimum opening balance
  • Deposits are accepted at any time
  • Withdrawals can be made at any time

Visit a branch to open an account

Roth IRA Certificates

  • A long-term retirement savings option where contributions are not tax deductible
  • $500 minimum opening balance
  • 12- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principal is withdrawn before the maturity date
  • Regular contributions can be withdrawn tax-free at any time.
  • Limited time special: Earn 5.55% APY* when you open a 12-month Roth IRA Jumbo Certificate! Contact us for more details or visit a branch to open your certificate.
  • Limited time special: Earn up to 5.00% APY** when you open a 12-month IRA Certificate. Contact us for more details.
  • Limited time special: Earn up to 4.25% APY*** when you open a 18, 24 or 30-month IRA Certificate. Contact us for more details.

Visit a branch to open an account

Coverdell ESA Certificates

  • Specifically designed for long-term savings for education purposes
  • Contributions are not tax deductible
  • $500 minimum opening balance
  • 12- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • Distributions are tax-free as long as they are used for qualified education expenses before the owner reaches the age of 30. See current IRS guidelines for penalties.
  • Limited time special: Earn 5.55% APY* when you open a 12-month Coverdell ESA Jumbo Certificate! Contact us for more details or visit a branch to open your certificate.
  • Limited time special: Earn up to 5.00% APY** when you open a 12-month Coverdell ESA Certificate. Contact us for more details or to open your certificate.
  • Limited time special: Earn up to 4.25% APY*** on a 18, 24 or 30-month Coverdell ESA Certificate. Contact us for more details or to open your certificate.

Visit a branch to open an account

*Certificates must be opened with new money to Fort Financial to receive 5.55% APY. Limit 1 certificate per member. Certificates are not eligible for Premier/Access Premier relationship bonus.

**5.00% APY is with 0.25% Premier and Access Premier relationship bonus. All other relationship levels earn 4.75% APY.

***4.25% APY is with 0.25% Premier and Access Premier relationship bonus. All other relationship levels earn 4.00% APY.

Jumbo Certificate Rates
Effective Date: Monday, October 2nd, 2023
Subject to change. Dividends are calculated daily and credited monthly.
CertificatesAnnual Percentage Yield (APY)Dividend RateMinimum Balance
12 Month Jumbo Certificate 5.55% 5.41% $50,000
Rates apply to Personal, Traditional, Roth & Coverdell Certificates
Certificates must be opened with new money to Fort Financial to receive 5.55% APY. Limit 1 certificate per member. Certificates are not eligible for Premier/Access Premier relationship bonus. See branch staff for more details.

Certificate Rates
Effective Date: Monday, October 2nd, 2023
Subject to change. Dividends are calculated daily and credited monthly.
CertificatesAnnual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier)Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic)Minimum Balance
3 Month Certificate 0.80% | 0.80% 0.55% | 0.55% $500
6 Month Certificate 0.85% | 0.85% 0.60% | 0.60% $500
9 Month Certificate 1.50% | 1.49% 1.25% | 1.24% $500
12 Month Certificate 5.00% | 4.89% 4.75% | 4.65% $500
18 Month Certificate 4.25% | 4.16% 4.00% | 3.92% $500
24 Month Certificate 4.25% | 4.16% 4.00% | 3.92% $500
30 Month Certificate 4.25% | 4.16% 4.00% | 3.92% $500
36 Month Certificate 1.30% | 1.29% 1.05% | 1.04% $500
48 Month Certificate 1.40% | 1.39% 1.15% | 1.14% $500
60 Month Certificate 1.50% | 1.49% 1.25% | 1.24% $500

Traditional, Roth & Coverdell Certificates
Effective Date: Monday, October 2nd, 2023
Subject to change. Dividends are calculated daily and credited monthly.
Traditional, Roth &
Coverdell Certificates		Annual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier)Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic)Minimum Balance
12 Month IRA/ESA Certificate 5.00% | 4.89% 4.75% | 4.65% $500
18 Month IRA/ESA Certificate 4.25% | 4.16% 4.00% | 3.92% $500
24 Month IRA/ESA Certificate 4.25% | 4.16% 4.00% | 3.92% $500
30 Month IRA/ESA Certificate 4.25% | 4.16% 4.00% | 3.92% $500
36 Month IRA/ESA Certificate 1.30% | 1.29% 1.05% | 1.04% $500
48 Month IRA/ESA Certificate 1.40% | 1.39% 1.15% | 1.14% $500
60 Month IRA/ESA Certificate 1.50% | 1.49% 1.25% | 1.24% $500

IRA Share
Effective Date: Monday, October 2nd, 2023
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Coverdell ESA 0.50% 0.50% $1
Traditional 0.50% 0.50% $1
Roth 0.50% 0.50% $1
*$5 minimum opening deposit required