Fort Campbell Credit Union

Fort Campbell Credit Union Locations
2050 Lowe's Drive
Clarksville, TN 37040
800-821-5891
www.fortcampbellfederal.org



Fort Campbell Credit Union is headquartered in CLARKSVILLE and is the 8th largest credit union in the state of Tennessee. It is also the 450th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 138 employees and 45,018 members. Fort Campbell Credit Union's money market rates are 25% higher than the national average, and it boasts a 5-star health rating.



See Rates for: Checking | Savings | Money Market | CD | IRA

Fort Campbell Credit Union Checking Account Rates

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0.25%$2,500-ValuChecking Plus Account
0.25%$2,500-Freedom Plus Checking Account

Fort Campbell Credit Union Savings Account Rates

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0.75%$100k-Cumulative IRA Savings
0.30%$50-Share Savings Account
0.30%$50-Spare Share Savings Account
0.30%$25-Youth Share Savings Account

Fort Campbell Credit Union Money Market Rates

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0.75%$100k-Galaxy Money Market

Fort Campbell Credit Union CD Rates

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2.05%$1k-60 Month Share Certificate
1.65%$1k-48 Month Share Certificate
1.40%$1k-36 Month Share Certificate
1.20%$1k-30 Month Share Certificate
1.15%$1k-24 Month Share Certificate
1.05%$1k-18 Month Share Certificate
0.90%$1k-12 Month Share Certificate
0.90%$100-24 Month Smart Start Variable Share Certificate
0.80%$500-18 Month Variable Share Certificate
0.70%$1k-6 Month Share Certificate
0.60%$25-6-12 Month Saver's Club Share Certificate
0.35%$1k-90-180 Day Share Certificate

Fort Campbell Credit Union IRA Rates

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2.05%$500-60 Month Fixed IRA Share Certificate
1.65%$500-48 Month Fixed IRA Share Certificate
1.40%$500-36 Month Fixed IRA Share Certificate
1.15%$500-24 Month Fixed IRA Share Certificate
0.95%$500-30 Month Variable IRA Share Certificate
0.90%$500-12 Month Fixed IRA Share Certificate
0.90%$500-12 Month Smart Start Fixed IRA Share Certificate
0.80%$500-18 Month Variable IRA Share Certificate

Rates updated: 5/25/2012

Data for Q4 2011


Institution Statistics


FORT CAMPBELL
NCUA #9759
BankRate ReportView
Year Chartered1954
Employees138
Primary Regulator

Assets and Liabilities

Assets$435.49 million
Loans$273.82 million
Deposits$357.98 million
Equity Capital$57.82 million
Loan Loss Allowance$1.93 million
Unbacked Noncurrent Loans$2.58 million
Real Estate Owned$285,000

Historic Data - December 2010

Assets$407.22 million
Equity Capital$56.01 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$3.89 million
Real Estate Owned$95,000

Profit Margin - Quarterly

Net Interest Margin4.63%
Return on Assets0.44%
Return on Equity3.33%
Interest Income$17.60 million
Non-Interest Income$8.14 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2011 Fort Campbell Credit Union had $2.87 million in non-current loans and owned real-estate with $59.75 million in equity and loan loss allowances on hand to cover it. This gives Fort Campbell Credit Union a Texas Ratio of 4.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Fort Campbell Credit Union decreased slightly from 6.93% as of December 31, 2010 to 4.80% as of December 31, 2011, resulting in a positive change of 30.73%.This indicates that the balance sheet and financial strength for Fort Campbell Credit Union has improved slightly in recent periods.
Deposit Growth5
In the past year, Fort Campbell Credit Union has increased its total deposits by $28.7 million, resulting in 8.72% 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.
Capitalization5
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 $435.49 million in assets with $59.75 million in equity, resulting in a capitalization level of 13.72%, which is excellent.
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