New Member Resources

Credit unions are financial cooperatives, meaning that we are owned and operated by you, the member. The credit union movement began during difficult economic times when local groups of people decided to pool their money together and provide each other with loans to help their communities grow and prosper.

Decades later, credit unions are still democratically governed by their members and still operate under that shared mission of people helping people. When you place your money into a local credit union, your money stays within your community. It could end up helping your neighbor buy a home or a local entrepreneur start a new business.

Every person who becomes a member also becomes a part-owner of the cooperative. We like to say "once a member, always a member."

To learn more about what makes us unique, visit our About page.

The easiest and fastest way to reorder checks is online. Click here to place an order or log in to Online Banking and place your order from your account.

Our routing number is 264182120.

Please visit our Locations page to find one of our many convenient branch locations across Clarksville, Fort Campbell, Hopkinsville, and Nashville.

Each of our branches has unique hours to help serve the community in which they reside. Please visit our Locations page and click on any individual branch card to find their hours.

Simply log in to your Online Banking account and click My Settings at the top. Here, you can update your contact information.

Visit our Rates page or our Business Rates page for the latest on our great low rates.

Simply log in to your Online Banking account and click the Cards tab at the top. Here you can easily report your debit and credit card as lost or stolen.

Don't have Online Banking? No problem. To report your lost or stolen debit card, you can call 800.821.5891 during business hours or 888.918.7313 if it's after 5 pm or during the weekend. To report a lost or stolen credit card, please call 866.577.5451.

Simply log in to your Online Banking account and click the Additional Services tab at the top of the screen. Select Online Statements. Here, you can easily sign up for e-statements.

It is a network with free access to over 5,000 fellow credit union branches and 30,000 ATMs all over the world. That’s more than just about any bank, anywhere. (Not that we’re counting.)

That means you don't have to be down the street to access your cash. Credit unions work together to meet the needs of their world-travelin', adventurous, on-the-go members. So, no matter where you are, look up CO-OP locations close to you and walk into any branch, and get treated like family, because, you are.

Check out easy ways to use the CO-OP Shared Branch Network while on the road:

• Download The App: Visit Google Play or the App Store and download the CO-OP Shared Branching App. Use this app to find shared branch locations, ATMs, and self-serve kiosks nationally and internationally.
• Search Online: Search for a convenient location here.
• Call: Dial 1.888.SITE.COOP (888.748.3266) to find a location by phone.
• Text: Text a zip code to 91989 to find nearby ATM and CO-OP Shared Branch Network locations.

You can use our Locations page map to find all our ATMs at our local branches and scroll down to see other ATMs throughout the community.

To be able to open a Share Savings Account, you must meet the following eligibility requirements: (1) You must be 18 years of age or older (2) You must live, work, worship, or attend school in one of our service regions; join an affiliated partner, or have an immediate family member who is a Fortera member. Our service regions include Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties in Tennessee or Christian, Trigg, Todd, McLean, and Webster counties in Kentucky. Residents of other counties in Tennessee, Kentucky, Alabama, and Arkansas may also be eligible.

This is the account we ask all of our members to open to join Fortera Credit Union. When you open this account, you pay a one-time $5 membership fee. This secures you as a life long Fortera Credit Union member. As a member, you help us determine the future of the credit union.

All members are encouraged to attend our annual meeting and speak with credit union leadership (yep, that includes our Board Members and CEO) about what you want most from your financial provider.

Your opinions and your voice will have a big impact on our plans. We want to do what our members want most. Think of membership like your right to vote on the future of the credit union.

This is reminiscent of how credit unions started. A few people pitched in to loan money (just a dollar or two) to friends and family when loans from larger banks were inaccessible and that's how it all began.

Yeah, it's a little sentimental, but we like it. It reminds us of where we came from, how far we can go, and who were created to serve.

To activate your card, please call 800-631-3197 or download our Fortera Cards App.

To report a lost or stolen credit card, please call 800.449.7728. To dispute a charge on your credit card, please call 800.654.7728. To report fraud on your Credit Card, please call 866-557-5315.