The SCOOP - Fortera Credit Union
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the SCOOP
Winter 2018
Tune in with Tom
2017 was a great one for our 63-year-old Fortera, as this is a critical part of our connection to the
institution, and 2018 will be no different! Clarksville-Hopkinsville-Fort Campbell communities. In 2017,
We remain focused on providing our we participated in, sponsored, or directly donated over
members with greater value through $250,000 to over 20 different charitable organizations. This
our better, simpler, faster services and does not include the personal commitment our employees
Tom Kane
products. Last year, we transitioned our have made to other local charities or the United Way this year.
President/CEO
new debit and credit card to Mastercard Our staff contributions to the United Way alone surpassed
and completed a massive upgrade to our online banking, $30,000 in total giving from our 165 employees.
mobile banking, and bill payment services. One of our Core Values is We Serve. This means we take
These upgrades are essential to keep your Credit Union the initiative to serve our communities and our members in
marching forward in a technology-focused, crowded, and meaningful ways that reflect a deep understanding of their
competitive marketplace. The scope of these changes can needs. It also means that as residents and participants
be challenging for us and our members, however, our staff in our communities, we give back as an institution and as
worked tirelessly to make these transitions as painless to you individuals. We look forward to continuing that commitment
as possible. While we spent considerable time and energy on in 2018.
these projects, there are many other places we give back to Thank you for your ongoing support and loyalty to Fortera
our members and our community at large. Credit Union.
A lot of financial institutions talk about giving back. I want – Tom Kane
to make sure you are aware of what that means here at
Scholarships
Six $2,000 Scholarships will be awarded!
Fortera Credit Union is committed to the education of our Applicants must submit the following:
young members. For the ninth year in a row, Fortera will • One to two page typed, double-spaced essay on
award six scholarships as an ongoing commitment to higher the topic of “Two ideas on ways to promote financial
education. The Fortera Credit Union Scholarship Program services to your generation”
was established to help student members pursue a post-
secondary education toward an undergraduate or associates • Official high school transcript
degree or trade certification. • Copy of acceptance letter from the college, university,
community college, or technical school
Eligibility Requirements
To be considered for a Fortera Credit Union Scholarship, the • Completed and signed Scholarship Application (visit
student must meet the following criteria: www.ForteraCU.com or stop by any branch location).
1. Applicant must be the primary member of a Fortera • Headshot photo. Photos will not be returned. By signing
Credit Union account and the account must be in good the Scholarship Application, you are giving Fortera
standing. Not yet a member? Simply see a Member permission to use your name and picture for publicity.
Advisor to fill out a membership application and have Completed application and corresponding information must
$5.00 to open your share account. If you live out of the be received by 4:00 p.m. CST on March 16, 2018 to be eligible.
area, complete the online membership application and
contact the Credit Union at 800.821.5891 to receive Please mail or deliver information to:
instructions for opening the account by mail. Fortera Credit Union
2. Applicant must be a graduating high school senior and Attn: Scholarship Applications
will attend an accredited college, university, community 2050 Lowe’s Drive
college or technical school, and be considered a Clarksville, TN 37040
full-time student, as defined by the respective school. Questions?
Applicants must have a Grade Point Average of at least Contact Lisa Thompson at 931.431.2166.
2.0 on a 4 point scale to be eligible.
For complete details, visit www.ForteraCU.com.
Cash for
the present,
cash for
the future.
Home Equity Line
$
500 Cash Back*
*Receive cash rebate up to $500 per loan, based on the loan amount. Rebate will be deposited into your Fortera Share (Savings) account
1-2 business days after loan closes. Owner-occupied properties only. All loans subject to credit approval. Not everyone will qualify for our
lowest rate. The Annual Percentage Rate is variable. Over the life of the loan, the minimum APR will be 1.99% and the maximum APR will
be no higher than 15.00%. For interest-only credit lines, monthly payment consists of interest accrued. Property insurance is required.
Offers valid on loan applications submitted by February 28, 2018. Membership eligibility required. See Credit Union for details. Equal Housing Lender
Fortera Insurance Agency
Did you know that Fortera has
started its own Insurance Agency?
Fortera Insurance Agency is a wholly owned and EVENTS &
operated subsidiary of Fortera Credit Union and allows
us to provide you, our members, with competitive HOLIDAYS
pricing for a wide array of insurance products.
What does that really mean? It means that you can go Holiday Reminders
online, any time, day or night and get a competitive
quote. You can also speak with a licensed Insurance Martin Luther King, Jr. Day
Agent who can help you find the best possible pricing Monday, January 15, 2018
scenario for you and your insurance needs.
The Walmart Supercenter
Check it out today at forteracu.com or directly at
https://forteracu.insuranceaisle.com/. Branch located at 300 Clinic
auto | home | life | business
Drive, Hopkinsville, KY will
be open from 9 a.m. – 1 p.m.
All other Fortera offices and
Cyber Security branches will be closed.
Protect Your Passwords!
Protect yourself from cyber attacks with a few simple steps: President’s Day
• Keep your software up to date
Monday, February 19, 2018
• Maintain backups for all your important files
• Keep access limited All Fortera Credit Union
• Use multi-factor authentication branches and offices will be
• Make the password hard for even you to remember closed.
Want to know more, visit www.entrepreneur.com/article/
304935 for an article on keeping yourself protected online.
Tax Time Tips
With tax season right around the corner, it is time to IRS Tax Forms to be Sent in January
get ready and avoid last-minute stress. Your IRS 1098 and 1099 tax forms from Fortera Federal Credit
Union will be sent to you no later than January 31, 2018. If you
Organize Your Tax Records receive e-statements, your forms will be available through
Use several large envelopes or file folders to organize W-2s, Online Banking under the Additional Services tab; then click
1099s, receipts, etc. If you’ll be preparing your own return, on Online Statements and choose the Tax Form tab. To avoid
gather the necessary forms and/or software. If you are using a delay in receiving your tax forms, please make sure your
a professional tax preparer, ask for their electronic or paper- e-mail and mailing address are current.
based organizer so you can get started.
TURBO TAX
Speed Up Your Refund File your taxes the smarter way and
Use tax preparation software, or go online to www.IRS.gov. save up to $15 on TurboTax! Fortera
With electronic filing, your refund will be directly deposited Credit Union members with Online Banking can get up to $15
into your account in as little as 10-21 days, eliminating worries off TurboTax® federal products. TurboTax translates taxes
about lost or stolen checks. Be sure to use Credit Union Routing into simple questions about your life, so you don’t need tax
Number 264182120 and your electronic deposit number (not knowledge or an appointment to get your taxes done right.
your Member Number) to ensure timely processing of your TurboTax Live™ even connects you with a live, on-screen
refund. Please call 800.821.5891 if you need further assistance. expert so you can get answers when you need them. To get
started, log in to Online Banking and click on My Turbo Tax
Consider an IRA under the Additional Services Tab.
You have until April 17, 2018 to contribute to your IRA for tax State filing charges apply. Limited time offer for TurboTax 2018. Terms,
year 2017. Contributions to a new or existing Traditional IRA conditions, features, availability, pricing, fees, service and support options
may be deducted on your 2017 tax return.* The maximum subject to change without notice. Intuit, TurboTax and TurboTax Online,
among others, are registered trademarks and/or service marks of Intuit
contribution for 2017 for Traditional or Roth IRAs is $5,500 for Inc. in the United States and other countries. Other parties’ trademarks
IRA holders under age 50 and $6,500 for ages 50 and over. or service marks are the property of their respective owners. Visit
http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product
*Consult your tax advisor for details. guarantees and other important information.
IMPORTANT NOTICE
Effective February 12, 2018, Fortera Credit Union has revised and updated the terms of the Member Service Agreement for
non-business accounts. You can access a summary of these changes on our website at www.forteracu.com by clicking the
Disclosures link at the bottom of the homepage.
The complete, new Agreement will be accessible on our website on January 2, 2018.
Annual Meeting
Annual Meeting Set For May 24, 2018
The 2018 Annual Membership Meeting and the election of the Directors will be held on Thursday, May 24, 2018. The following
names have been submitted by the Nominating Committee and approved by the Board of Directors as nominees for election to
the Board of Directors. If there are no nominations by petition, according to the Credit Union Bylaws, election will be automatic.
Director Nominations
J Thomas H. (Tom) Denney – Colonel, US Army, Retired, as a Contractor Field Technician for the 101st Combat
resident of Clarksville, Tennessee. Board member since 2004. Aviation Brigade. Holds an Associate’s Degree in Applied
Currently Chairman of the Board; previously served as Vice Science Aviation Maintenance Technology and a Bachelor
Chairman of the Board and Chairman of the Supervisory of Arts Degree in Organizational Management from Ashford
Committee. Served more than 30 years in the US Army, University, Clinton, Iowa.
final assignment at Fort Campbell as Garrison Commander. BYLAWS - SECTION 1. NCUA 8001A(M3700)112283
Employed as Vice President/General Manager of Coldwell L-70-092482 (Deadline for filing petitions is March 4, 2018.)
Banker – Conroy, Marable & Holleman, Clarksville, Tennessee.
“At least 120 days prior to each annual meeting, the Chairman of
Holds a BS and MBA from Auburn University, Schools of the Board shall appoint a nominating committee of not fewer than
Engineering and Business, and an advanced Management three members. It shall be the duty of the nominating committee
Certificate from Emory University’s School of Business in to nominate at least one member for each vacancy, including any
Atlanta, Georgia. Graduate of the Air War College, Army unexpired term vacancy, for which elections are being held, and to
Command and Staff College, and Army Aviation School; determine that the members nominated are agreeable to the placing
qualified in both fixed and rotary aircraft. Serves as the of their names in nomination and will accept office if elected. The
Honorary Colonel to the 101st Combat Aviation Brigade. nominating committee shall file its nominations with the secretary of
the Credit Union at least 90 days prior to the annual meeting, and the
Life member of the Army Aviation Association of America, secretary shall notify in writing all members eligible to vote at least 75
Army United States Association, and the Military Officers days prior to the annual meeting that nominations for vacancies may
Association of America. Current or past member of the also be made by petition signed by one percent of the members with
Clarksville-Montgomery County Chamber of Commerce and a minimum of 20 and a maximum of 500.”
Airport Board/Authority, Hopkinsville Chamber of Commerce “The written notice shall indicate that the election will not be
and Pennyrile Development Board, Clarksville Rotary Club, conducted by ballot and there will be no nominations from the floor
Salvation Army, American Red Cross and past Chairman of when there is only one nominee for each position to be filled. A brief
the Clarksville Credit Bureau. Currently serves on the Staff statement of qualifications and biographical data in such form as
Parrish Committee/President of his Sunday School Class. shall be approved by the Board of Directors will be included for each
nominee submitted by the nominating committee with the written
David Jones – Credit Union member since 1988. Served on notice to all eligible members. Each nominee by petition shall submit
the Member Advisory Board, the Supervisory Committee, a similar statement of qualifications and biographical data with
and currently serves on the Asset Liability Management petition. The written notice shall state the closing date for receiving
Committee and on the Board of Directors for Fortera Credit nominations by petition. The period for receiving nominations by
petition shall, in all cases, extend at least 30 days from the date the
Union. Vietnam Veteran and retired from the Army in 1993 petition requirement and the list of nominating committee’s nominees
as an E-8 and Combat Engineer. Worked in Health Care are mailed to all members. To be effective, such nominations shall
since retiring from the military. Mr. Jones was the Director of be accompanied by a signed certificate from the nominees stating
Environmental Services at Jennie Stuart Medical Center in that they are agreeable to nomination and will serve if elected to
Hopkinsville, Kentucky from 1999 to 2015. Served on numerous office. Such nominations shall be filed with the secretary of the credit
committees at work as well as in the community. union at least 40 days prior to the annual meeting and the secretary
shall cause such nominations along with those of the nominating
Rick Hackwell – Credit Union member since 1983. Served committee to be posted in a conspicuous place in each Credit Union
on Credit Union Member Advisory Board since 2013. Retired office at least 35 days prior to the annual meeting.”
after 21 years in Army Aviation. Currently supports soldiers
Fortera Credit Union is a not-for-profit community
chartered credit union with membership available
to anyone in Montgomery and Stewart counties in
Wherever life takes you. Tennessee, as well as Christian, Trigg, and Todd
counties in Kentucky.
931.431.6800 | 800.821.5891 | ForteraCU.com Federally Insured by NCUA
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