Fortera Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.80% | 5-year CD | |
| 2.05% | 1-year CD | 2.65% - Barclays 12 Month Online CD |
| 0.20% | Savings | 2.00% - Ally Bank Online Savings Account |
Fortera Credit Union is headquartered in Clarksville and is the 9th largest credit union in the state of Tennessee. It is also the 510th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 150 employees and 57,067 members at 10 locations. Fortera Credit Union's money market rates are 4X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school in Montgomery or Stewart counties in Tennessee or Christian, Trigg or Todd counties in Kentucky.
See current membership details
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.
Not Here For Customers!
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
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!!
Data as of Q3 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 9759 |
| Year Chartered | 1954 |
| Employees | 150 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.53% |
| Return on Equity - YTD | 3.81% |
| Annual Interest Income | $16.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $560.9MM$548.3MM |
| Loans | Q3 2018vs Q3 2017 | $457.1MM$426.9MM |
| Deposits | Q3 2018vs Q3 2017 | $441.5MM$428.7MM |
| Equity Capital | Q3 2018vs Q3 2017 | $78.0MM$74.7MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $5.5MM$5.3MM |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $3.5MM$4.3MM |
| Real Estate Owned | Q3 2018vs Q3 2017 | $144.00K$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | - | $2k | ChangeUp Special Share Account | ||
| OTHER TIERS: 0.20% → $2k+ | |||||
| 2.00%* | - | $2k | Business Change Up Account | ||
| OTHER TIERS: 0.20% → $2k+ | |||||
| 0.40%* | $50k* | - | Cumulative IRA Savings | ||
| OTHER TIERS: 0.25% → $5 - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | |||||
| 0.20% | $50 | - | Share Savings Account | ||
| 0.20% | $50 | - | Spare Share Savings Account | ||
| 0.20% | $25 | - | Youth Share Savings Account | ||
| 0.20% | $50 | - | Freedom Plus Share | ||
| 0.20% | $50 | - | Business Share Savings Account | ||
| 0.20% | $50 | - | Not-for-Profit Share Account | ||
| 0.20% | - | - | Organizational Club Share Account | ||
Fortera Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.55%* | $100k* | - | Premium Money Market | ||
| OTHER TIERS: 0.35% → Up to $25k | 0.40% → $25k - $50k | 1.01% → $50k - $100k | |||||
| 1.00%* | $50k* | - | Business Galaxy Money Market | ||
| OTHER TIERS: 0.70% → $10k - $50k | |||||
| 0.40%* | $50k* | - | Galaxy Money Market | ||
| OTHER TIERS: 0.25% → $2.5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | |||||
Fortera Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%* | $2.5k* | - | ValuChecking Plus Account | ||
| OTHER TIERS: 0.05% → $500 - $1k | 0.10% → $1k - $2.5k | |||||
| 0.15%* | $2.5k* | - | Freedom Plus Checking Account | ||
| OTHER TIERS: 0.05% → $500 - $1k | 0.10% → $1k - $2.5k | |||||
| 0.15% | $2.5k | - | Business Gold Checking | ||
| 0.05% | $500 | - | Not-for-Profit Checking | ||
Fortera Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $1k | - | 60 Month FlexRate Share Certificate w/2 Bumps - New Money | |
| 2.80% | $100k | - | 60 Month Jumbo Share Certificate | |
| 2.70% | $100k | - | 48 Month Jumbo Share Certificate | |
| 2.65% | $1k | - | 36 Month FlexRate Share Certificate w/1 Bump - New Money | |
| 2.60% | $100k | - | 24 Month Jumbo Share Certificate | |
| 2.50% | $1k | - | 24 Month Share Certificate | |
| 2.45% | $1k | - | 48 Month Share Certificate | |
| 2.30% | $100k | - | 36 Month Jumbo Share Certificate | |
| 2.25% | $25 | - | 12 Month FlexTerm Share Certificate - New Money | |
| 2.05% | $100k | - | 12 Month Jumbo Share Certificate | |
| 1.50% | $100k | - | 18 Month Jumbo Share Certificate | |
| 1.45% | $1k | - | Business 36 Month Certificate | |
| 1.20% | $100k | - | 30 Month Jumbo Share Certificate | |
| 1.12% | $1k | - | Business 18 Month Certificate | |
| 1.06% | $1k | - | Business 12 Month Certificate | |
| 1.00% | $100k | - | 6 Month Jumbo Share Certificate | |
| 0.60% | $100k | - | 3 Month Jumbo Share Certificate | |
| 0.60% | $25 | - | Business 6-12 Month FlexForward Certificate |
Fortera Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.80% | $100k | - | 60 Month Jumbo Fixed IRA Share Certificate | |
| 2.75% | $500 | - | 60 Month Fixed IRA Share Certificate | |
| 2.70% | $100k | - | 48 Month Jumbo Fixed IRA Share Certificate | |
| 2.50% | $500 | - | 24 Month Fixed IRA Share Certificate | |
| 2.50% | $100k | - | 24 Month Jumbo Fixed IRA Share Certificate | |
| 2.45% | $500 | - | 48 Month Fixed IRA Share Certificate | |
| 2.30% | $100k | - | 36 Month Jumbo Fixed IRA Share Certificate | |
| 2.25% | $500 | - | 36 Month Fixed IRA Share Certificate | |
| 2.05% | $100k | - | 12 Month Jumbo Fixed IRA Share Certificate | |
| 2.00% | $500 | - | 12 Month Fixed IRA Share Certificate | |
| 1.50% | $100k | - | 18 Month Jumbo Fixed IRA Share Certificate | |
| 1.45% | $500 | - | 18 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% | $100 | - | 12 Month Smart Start Fixed IRA Share Certificate |
| Clarksville Branches | ||
|---|---|---|
| Branch Office | 321 N Spring St | Clarksville, TN 37040-3135 |
| Branch Office | 500 Heritage Pt | Clarksville, TN 37042-0862 |
| Branch Office | 2193 Madison St | Clarksville, TN 37043-5235 |
| Branch Office | 145 Dover Crossing Rd | Clarksville, TN 37042 |
| Branch Office | 2050 Lowes Dr | Clarksville, TN 37040-1620 |
| Fort Campbell Branches | ||
|---|---|---|
| Branch Office | 88 Michigan Ave | Fort Campbell, KY 42223-5609 |
| Hopkinsville Branches | ||
|---|---|---|
| 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 |
| Oak Grove Branches | ||
|---|---|---|
| Branch Office | 208 Segler Dr | Oak Grove, KY 42262 |