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2050 Lowes Dr
Clarksville, TN 37040-1620

Fort Campbell Credit Union is headquartered in Clarksville and is the 10st largest credit union in the state of Tennessee. It is also the 492nd largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 133 employees and 48,654 members. Fort Campbell Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Montgomery or Stewart County in Tennessee or Christian, Trigg or Todd County in Kentucky. - See Details

Reviews (1)

Decent Credit Union With Poor Online Banking

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.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Fort Campbell Credit Union had $2.14 million in non-current loans and owned real-estate with $64.54 million in equity and loan loss allowances on hand to cover it. This gives Fort Campbell Credit Union a Texas Ratio of 3.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fort Campbell Credit Union decreased slightly from 3.70% as of March 31, 2013 to 3.32% as of March 31, 2014, resulting in a positive change of 10.29%.This indicates that the balance sheet and financial strength for Fort Campbell Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Fort Campbell Credit Union has increased its total deposits by $10.13 million, resulting in 2.69% 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 above average.



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 $456.4 million in assets with $64.54 million in equity, resulting in a capitalization level of 14.14%, which is excellent.

Institution Statistics

NCUA #9759
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$456.40 million
Loans$354.73 million
Deposits$386.68 million
Equity Capital$61.61 million
Loan Loss Allowance$2.93 million
Unbacked Noncurrent Loans$1.70 million
Real Estate Owned$437,000
Historic Data - March 2013
Assets$451.09 million
Equity Capital$59.55 million
Loan Loss Allowance$2.67 million
Unbacked Noncurrent Loans$1.70 million
Real Estate Owned$244,000
Profit Margin - Quarterly
Net Interest Margin1.11%
Return on Assets0.5%
Return on Equity3.68%
Interest Income$4.80 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.

Fort Campbell Credit Union Savings Account Rates

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

Fort Campbell Credit Union Money Market Rates

0.40%$50k-Galaxy Money Market

Fort Campbell Credit Union Checking Account Rates

0.15%$2,500-ValuChecking Plus Account
0.15%$2,500-Freedom Plus Checking Account

Fort Campbell Credit Union CD Rates

1.50%$1k-24 Month Share Certificate
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
0.75%$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

Fort Campbell Credit Union IRA Rates

1.50%$500-24 Month Fixed IRA 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
0.75%$500-18 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 Office321 N Spring StClarksville, TN 37040-3135
Branch Office500 Heritage PtClarksville, TN 370420862
Branch Office300 Clinic DrHopkinsville, KY 42240-4989
Branch Office3225 Lafayette RdHopkinsville, KY 42240-5605
Branch Office130 Griffin Bell DrHopkinsville, KY 42240-8741
Branch Office88 Michigan AveFort Campbell, KY 42223-5609
Branch Office2193 Madison StClarksville, TN 370435235
Branch Office145 Dover Crossing RdClarksville, TN 37042
Branch Office2050 Lowes DrClarksville, TN 37040-1620