Fort Campbell Credit Union is headquartered in Clarksville and is the 10st largest credit union in the state of Tennessee. It is also the 480th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 135 employees and 48,037 members. Fort Campbell Credit Union has a A+ health rating.
Must live, work, worship or attend school in Montgomery or Stewart County in Tennessee or Christian, Trigg or Todd County in Kentucky. - See Details
If you are looking for a friendly local credit union with good loan rates, nice ATM's, and don't mind a poor online experience then I would recommend FCFCU, but if you prefer online banking avoid FCFCU.
I have had two checking accounts, a savings account, and a mortgage with Fort Campbell Federal Credit union for over two years. I have also refinanced and paid off a vehicle loan with them.
The mortgage and loan rates are excellent.
The interest rates on the deposit accounts are very low but that is pretty much normal.
The tellers are always friendly.
The ATM's were recently upgraded to allow deposits by check or cash (which is a very nice feature).
There is a monthly fee for using online bill pay.
The online banking is very poor. They recently tried to upgrade it and most of the features were removed or broken in the process. The security features were upgraded making it impossible to link the account to any other website or software for automatic updates and even when you log in to the website manually to download trasactions the only working option is to download a QFX file for Quicken. Customer support is clueless when it comes to any issue involving online banking.
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Fort Campbell Credit Union had $3.21 million in non-current loans and owned real-estate with $63.5 million in equity and loan loss allowances on hand to cover it. This gives Fort Campbell Credit Union a Texas Ratio of 5.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Fort Campbell Credit Union held steady from 4.03% as of December 31, 2012 to 5.05% as of December 31, 2013, resulting in a negative change of 25.47%. This indicates that the balance sheet and financial strength for Fort Campbell Credit Union has held steady in recent periods.
In the past year, Fort Campbell Credit Union has increased its total deposits by $12.4 million, resulting in 3.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fort Campbell Credit Union has shown is excellent.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fort Campbell Credit Union has $455.41 million in assets with $63.5 million in equity, resulting in a capitalization level of 13.94%, which is excellent.
|Assets and Liabilities|
|Equity Capital||$60.82 million|
|Loan Loss Allowance||$2.68 million|
|Unbacked Noncurrent Loans||$2.81 million|
|Real Estate Owned||$399,000|
|Historic Data - December 2012|
|Equity Capital||$59.10 million|
|Loan Loss Allowance||$2.47 million|
|Unbacked Noncurrent Loans||$2.81 million|
|Real Estate Owned||$474,000|
|Profit Margin - Quarterly|
|Net Interest Margin||4.22%|
|Return on Assets||0.72%|
|Return on Equity||5.42%|
|Interest Income||$18.42 million|
Always verify rates and promotions with the bank or credit union. We are not Fort Campbell Credit Union, we are a rate comparison website and can not provide official rates or promotions.
|0.40%||$50k||-||Cumulative IRA Savings|
|0.20%||$50||-||Share Savings Account|
|0.20%||$50||-||Spare Share Savings Account|
|0.20%||$25||-||Youth Share Savings Account|
|0.40%||$50k||-||Galaxy Money Market|
|0.15%||$2,500||-||ValuChecking Plus Account|
|0.15%||$2,500||-||Freedom Plus Checking Account|
|1.30%||$1k||-||60 Month Share Certificate|
|1.15%||$1k||-||48 Month Share Certificate|
|1.05%||$1k||-||36 Month Share Certificate|
|0.90%||$1k||-||30 Month Share Certificate|
|0.85%||$1k||-||24 Month Share Certificate|
|0.75%||$1k||-||18 Month Share Certificate|
|0.70%||$1k||-||12 Month Share Certificate|
|0.70%||$100||-||24 Month Smart Start Variable Share Certificate|
|0.60%||$500||-||18 Month Variable Share Certificate|
|0.50%||$1k||-||6 Month Share Certificate|
|0.40%||$25||-||6-12 Month Saver's Club Share Certificate|
|0.30%||$1k||-||90-180 Day Share Certificate|
|1.30%||$500||-||60 Month Fixed IRA Share Certificate|
|1.15%||$500||-||48 Month Fixed IRA Share Certificate|
|1.05%||$500||-||36 Month Fixed IRA Share Certificate|
|0.85%||$500||-||24 Month Fixed IRA Share Certificate|
|0.70%||$500||-||12 Month Fixed IRA Share Certificate|
|0.70%||$500||-||30 Month Variable IRA Share Certificate|
|0.60%||$500||-||18 Month Variable IRA Share Certificate|
|0.55%||$500||-||12 Month Smart Start Fixed IRA Share Certificate|
|Fort Campbell Credit Union Locations|
|Branch Office||321 N Spring St||Clarksville, TN 37040-3135|
|Branch Office||500 Heritage Pt||Clarksville, TN 370420862|
|Branch Office||300 Clinic Dr||Hopkinsville, KY 42240-4989|
|Branch Office||3225 Lafayette Rd||Hopkinsville, KY 42240-5605|
|Branch Office||130 Griffin Bell Dr||Hopkinsville, KY 42240-8741|
|Branch Office||88 Michigan Ave||Fort Campbell, KY 42223-5609|
|Branch Office||2193 Madison St||Clarksville, TN 370435235|
|Branch Office||145 Dover Crossing Rd||Clarksville, TN 37042|
|Branch Office||2050 Lowes Dr||Clarksville, TN 37040-1620|