Which long-term savings option is right for you?
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Are you looking to save for retirement?
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Are you wanting your earnings to be tax deferred?
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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- A penalty will incur if any principal is withdrawn before the maturity date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.
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- Save for retirement while your earnings grow tax-deferred until withdrawn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.
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- A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn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- A penalty will incur if any principal is withdrawn before the maturity date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.
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
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.
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.
*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: Tuesday, September 26th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Certificates | Annual Percentage Yield (APY) | Dividend Rate | Minimum 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: Tuesday, September 26th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Certificates | Annual 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: Tuesday, September 26th, 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: Tuesday, September 26th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum 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 | |||