Fortera Credit Union


Overview / Commentary
931-431-6800
2050 Lowes Dr
Clarksville, TN 37040

Fortera Credit Union is headquartered in Clarksville and is the 9th largest credit union in the state of Tennessee. It is also the 529th largest credit union in the nation. It was established in 1954 and as of March of 2021, it had grown to 178 employees and 67,256 members at 9 locations. Fortera Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Fortera is open to those who live, work, worship, or attend school in the Tennessee counties of Montgomery or Stewart, or the Kentucky counties of Christian, Todd, or Trigg.
See current membership details

Reviews (3)

Decent Credit Union With Poor Online Banking

Posted by: |

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.

Not Here For Customers!

Posted by: |

This is more like institutionalized banks then a friendly down-home credit. When Fort Campbell federal credit union changed its name to you for Fortera it changed more than just its name! Things the credit union used to do for you they have discontinued such as paying your mortgage ahead, that way you would know your mortgage was paid for many reasons. I have utilize the service when I knew I was going to be out of town and did not want to worry about making or a missed payment. I have gone in to use this option after being diagnosed and going through cancer treatment and leaving my job due to my health. I had to liquidate and wanted to make sure for the next year I would have a roof over my head......they said their risk department said they could no longer do this...guess the risk of paid mortgage is worse than a foreclosure...... The letter they sent stating that I would have to do something else with the years mortgage payment that I paid and they took had two numbers at the bottom one went to a voicemail but never return phone calls the other has me on hold for over two hours.

Call Center Wait Time

Posted by: |

The wait time to talk to a representative at this bank ridiculous!!! I have called several times and the wait time is AT LEAST 20 MINUTES! It's aggravating and I don't have time to wait that long when waiting to make a purchase at a store!!



Health
A+

Health Grade Components

Overall
NCUA #9759
Year Chartered1954
Employees178
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.24%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$707.8MM$606.6MM
LoansQ1 2021vs Q1 2020$494.8MM$455.8MM
DepositsQ1 2021vs Q1 2020$601.2MM$500.7MM
Equity CapitalQ1 2021vs Q1 2020$88.9MM$86.2MM
Loan Loss AllowanceQ1 2021vs Q1 2020$2.6MM$3.8MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$1.4MM$2.8MM
Real Estate OwnedQ1 2021vs Q1 2020$70.00K$1,000
Rates
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Always verify rates and promotions with the bank or credit union. We are not Fortera Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Fortera Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$2kChangeUp Share Account
OTHER TIERS: 0.15% $2k+
1.50%*-$2kBusiness Change Up Account
OTHER TIERS: 0.15% $2k+
0.20%*$50k*-Cumulative IRA Savings
OTHER TIERS: 0.10% $5 - $10k | 0.15% $10k - $50k
0.10%$50-Share Savings Account
0.10%$50-Business Share Savings Account
0.10%$50-Not-for-Profit Share Account
0.10%$50-Organizational Club Share Account
0.10%$25-Sprout Share Savings
0.10%$25-Flex Share Savings
0.05%$50-Spare Share Savings Account

Fortera Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Premium Money Market
OTHER TIERS: 0.10% Up to $25k
0.15%*$25k*-Money Market Account
OTHER TIERS: 0.10% $2.5k - $25k
0.15%$10k-Business Money Market Account

Fortera Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Full Circle Checking
0.05%$2.5k-Business Gold Checking
0.05%$500-Not-for-Profit Checking

Fortera Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-60 Month Share Certificate
0.70%$1k-60 Month Choice Share Certificate w/2 Bumps - New Money
0.45%$1k-48 Month Share Certificate
0.40%$1k-24 Month Share Certificate
0.40%$1k-36 Month Share Certificate
0.40%$1k-Business 36 Month Certificate
0.35%$1k-18 Month Share Certificate
0.35%$100-24 Month Smart Start Variable Share Certificate
0.35%$1k-Business 18 Month Certificate
0.35%$1k-36 Month Choice Share Certificate w/1 Bump - New Money
0.30%$1k-12 Month Share Certificate
0.30%$1k-Business 12 Month Certificate
0.25%$25-12 Month Access Share Certificate
0.25%$25-Business 12 Month Access Share Certificate
0.20%$1k-6 Month Share Certificate

Fortera Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$500-60 Month Fixed IRA Share Certificate
0.45%$500-48 Month Fixed IRA Share Certificate
0.40%$500-24 Month Fixed IRA Share Certificate
0.40%$500-36 Month Fixed IRA Share Certificate
0.35%$500-18 Month Fixed IRA Share Certificate
0.30%$500-12 Month Fixed IRA Share Certificate
0.30%$500-18 Month Variable IRA Share Certificate
0.25%$100-12 Month Smart Start Fixed IRA Share Certificate
Locations


Fortera Credit Union Locations
Branch Office321 N Spring StClarksville, TN 37040-3135
Branch Office500 Heritage Pointe DrClarksville, TN 37042-0862
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 37043-5235
Branch Office145 Dover Crossing RdClarksville, TN 37042
Branch Office2050 Lowes DrClarksville, TN 37040-1620

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