Overview / Commentary
931-431-6800
2050 Lowes Dr
Clarksville, TN 37040-1620

Fortera Credit Union is headquartered in Clarksville and is the 9th largest credit union in the state of Tennessee. It is also the 507th largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 148 employees and 55,802 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

Reviews (3)

Decent Credit Union With Poor Online Banking

Posted by: dau674 | Aug 1, 2013

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: TAC | Jul 17, 2017

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: lizward | Jan 25, 2016

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

Health Grade Components

Overall
NCUA #9759
Year Chartered1954
Employees148
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD3.05%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$563.0MM$545.0MM
LoansQ2 2018vs Q2 2017$433.1MM$427.6MM
DepositsQ2 2018vs Q2 2017$443.3MM$432.5MM
Equity CapitalQ2 2018vs Q2 2017$77.0MM$73.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$5.5MM$5.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.8MM$3.3MM
Real Estate OwnedQ2 2018vs Q2 2017$136.00K$0
Rates
Report an Issue

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
2.00%*-$2kChangeUp Special Share Account
OTHER TIERS: 0.20% $2k+
2.00%*-$2kBusiness 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-60 Month FlexRate Share Certificate w/2 Bumps - New Money
2.55%$100k-48 Month Jumbo Share Certificate
2.50%$1k-48 Month Share Certificate
2.40%$1k-36 Month FlexRate Share Certificate w/1 Bump - New Money
2.35%$100k-24 Month Jumbo Share Certificate
2.30%$1k-24 Month Share Certificate
2.24%$100k-60 Month Jumbo Share Certificate
2.04%$100k-36 Month Jumbo Share Certificate
2.00%$25-12 Month FlexTerm Share Certificate - New Money
1.45%$1k-Business 36 Month Certificate
1.25%$100k-18 Month Jumbo Share Certificate
1.12%$1k-Business 18 Month Certificate
1.06%$100k-12 Month Jumbo Share Certificate
1.06%$1k-Business 12 Month Certificate
0.95%$100k-30 Month Jumbo Share Certificate
0.75%$100k-6 Month Jumbo Share Certificate
0.60%$25-Business 6-12 Month FlexForward Certificate
0.35%$100k-3 Month Jumbo Share Certificate

Fortera Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$100k-48 Month Jumbo Fixed IRA Share Certificate
2.50%$500-48 Month Fixed IRA Share Certificate
2.35%$100k-24 Month Jumbo Fixed IRA Share Certificate
2.30%$500-24 Month Fixed IRA Share Certificate
2.24%$100k-60 Month Jumbo Fixed IRA Share Certificate
2.19%$500-60 Month Fixed IRA Share Certificate
2.04%$100k-36 Month Jumbo Fixed IRA Share Certificate
1.99%$500-36 Month Fixed IRA Share Certificate
1.25%$100k-18 Month Jumbo Fixed IRA Share Certificate
1.20%$500-18 Month Fixed IRA Share Certificate
1.06%$100k-12 Month Jumbo Fixed IRA Share Certificate
1.01%$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%$100-12 Month Smart Start Fixed IRA Share Certificate
Locations


Cities: Clarksville, Fort Campbell, Hopkinsville, Oak Grove

Clarksville Branches
Branch Office321 N Spring StClarksville, TN 37040-3135
Branch Office500 Heritage PtClarksville, TN 37042-0862
Branch Office2193 Madison StClarksville, TN 37043-5235
Branch Office145 Dover Crossing RdClarksville, TN 37042
Branch Office2050 Lowes DrClarksville, TN 37040-1620

Fort Campbell Branches
Branch Office88 Michigan AveFort Campbell, KY 42223-5609

Hopkinsville Branches
Branch Office300 Clinic DrHopkinsville, KY 42240-4989
Branch Office3225 Lafayette RdHopkinsville, KY 42240-5605
Branch Office130 Griffin Bell DrHopkinsville, KY 42240-8741

Oak Grove Branches
Branch Office208 Segler DrOak Grove, KY 42262

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.