Fortera Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.30% | 5-year CD | 60 Month Share Certificate 1.85% - Synchrony Bank 60 Month CD |
| 0.70% | 1-year CD | 12 Month Share Certificate 1.05% - Ally Bank High Yield 12-Month CD |
| 0.20% | Savings | Spare Share Savings Account 1.00% - Ally Bank Online Savings Account |
Fortera Credit Union is headquartered in Clarksville and is the 8th largest credit union in the state of Tennessee. It is also the 486th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 153 employees and 50,786 members at 10 locations. Fortera Credit Union 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.
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 Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 9759 |
| Year Chartered | 1954 |
| Employees | 153 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.64% |
| Return on Equity - YTD | 4.71% |
| Annual Interest Income | $9.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $521.8MM$470.3MM |
| Loans | Q2 2016vs Q2 2015 | $400.4MM$355.8MM |
| Deposits | Q2 2016vs Q2 2015 | $418.6MM$397.1MM |
| Equity Capital | Q2 2016vs Q2 2015 | $70.5MM$67.5MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $3.9MM$3.4MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $3.6MM$2.7MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $313.00K$1.1MM |
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+ | |||||
| 0.40%* | $50k* | - | Cumulative IRA Savings | ||
| OTHER TIERS: 0.25% → Up to $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 | ||
Fortera Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.40%* | $50k* | - | Galaxy Money Market | ||
| OTHER TIERS: 0.25% → $2,500 - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | |||||
Fortera Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%* | $2,500* | - | ValuChecking Plus Account | ||
| OTHER TIERS: 0.05% → $500 - $1k | 0.10% → $1k - $2,500 | |||||
| 0.15%* | $2,500* | - | Freedom Plus Checking Account | ||
| OTHER TIERS: 0.05% → $500 - $1k | 0.10% → $1k - $2,500 | |||||
Fortera Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.30% | $1k | - | 60 Month Share Certificate | |
| 1.15% | $1k | - | 48 Month Share Certificate | |
| 1.10% | $1k | - | 24 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 | |
| 0.60% | $25 | - | 6-12 Month FlexForward Share Certificate | |
| 0.50% | $1k | - | 6 Month Share Certificate | |
| 0.30% | $1k | - | 90-180 Day Share Certificate |
Fortera Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.30% | $500 | - | 60 Month Fixed IRA Share Certificate | |
| 1.15% | $500 | - | 48 Month Fixed IRA Share Certificate | |
| 1.10% | $500 | - | 24 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 |
| Fortera Credit Union Locations | ||
|---|---|---|
| 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 | 208 Segler Dr | Oak Grove, KY 42262 |
| 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 |