the SCOOPFall 2016

Go Govs!Support Austin Peay State University athletics at Fortera Stadium. The Govs Homecoming football game is scheduled for October 22, 2016 at 4:00 pm versus Mercer University. Come out to tailgate with Fortera as we cheer on our local team and support our valued community partnership with the Govs. Be sure to stop by our booth before the game to play Spin-the-Wheel to win some great prizes. Let’s Go Peay!

APSU 2016 Home Football Schedule• October 22 at 4:00 pm vs. Mercer, Homecoming

• November 5 at 4:00 pm vs. TSU, Military Appreciation Day

• November 12 at 4:00 pm vs. EKU, GOMB Day, Senior Day

Austin Peay Athletics at Fortera Stadium

Community CornerFortera loves making a difference in the communities we serve! Fortera Credit Union staff members joined together with Manna Café to serve breakfast to the homeless. Food insecurity in Montgomery County involves more than 15% of the population. The percentage for children is 21.5%, a third of whom are not income-eligible for federal programs such as free school lunches. Manna Café’s goal is to first meet people’s basic need for food. For more information on how you can help make a difference, visit www.MannaCafeMinistries.com.

Federally Insured by NCUA

Fortera Credit Union is a not-for-profit community chartered credit union with membership available to anyone in Montgomery and Stewart counties in Tennessee, as well as Christian, Trigg, and Todd counties in Kentucky.

Wherever life takes you.

931.431.6800 | 800.821.5891 | ForteraCU.com

INVESTMENT EDUCATION

Love your savings.Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about.

Fortera Credit Union is excited to offer you exclusive discounts and benefits on products and services you use every day. Credit Union members have already saved over $1.6 billion with Love My Credit Union Rewards discounts. So, along with lower loan rates and fewer fees, here’s another way you can save even more.

❤ Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data service. Valid in conjunction with other credit union and most Sprint National handset offers and promotions.

❤ Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal.❤ Save up to $15 on TurboTax Federal tax products❤ Save on services for your home from ADT, DIRECTV, Allied, and more❤ Earn cash back when you shop at over 1,500 online retailers with Love to Shop

The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.

*Based on individual roadside assistance plan

Estate Planning Workshop Please join us for a complimentary Estate Planning Workshop with guest speaker John Crow from Batson Nolan PLC.

What is Estate Planning?

Estate planning is the process of mapping out how you want your personal and financial matters to be handled during periods of incapacity or at your death. An estate plan should be implemented with the assistance of an experienced estate planning attorney.

Typical Estate Planning Documents

• Will

• Durable power of attorney

• Health-care directives*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Fortera Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

• Living trust

Reserve your spot today!

Please join us!October 25, 2016

6:00 pm - 7:00 pm

Place: Dover Crossing Branch 145 Dover Crossing Road Clarksville, TN 37042 RSVP: email: jclay.cfsinvest@forteracu.com call : 931.431.2274

VOLUNTEERS WANTED!

In addition to competitive rates and no annual fee, your Fortera Credit Union VISA® gives you valuable reward points for every dollar you spend. The more reward points you earn, the closer you get to vacations and merchandise. Visit CURewards.com to view all the merchandise and travel options that can be redeemed using your VISA rewards. You can also redeem reward points for gift cards to your favorite merchants. Type Gift Cards in the search box for a list of available gift cards.

Bonus Points

During the Holiday season, all Fortera VISA accounts will earn bonus reward points. From November 1 through December 25, 2016, qualifying purchases will earn DOUBLE reward points (2 points per net purchase dollar). The more you use your Fortera VISA, the more points you earn. As an added bonus, during the peak shopping period from November 24–28, 2016, your Fortera VISA will earn TRIPLE reward points (3 points per net purchase dollar) on qualifying purchases. Points will be automatically added to your CURewards account.

Earn Reward Points Faster – Shop at the CURewards® Mall

We’ve teamed up with thousands of local and national retailers to create a shopping experience like no other – the CURewards® Mall. When you visit the CURewards Mall through the Fortera website, you earn bonus reward points by shopping with your Fortera VISA card at the participating merchants online.

Earning points for your purchases is a breeze. Simply use your Fortera VISA card at the participating retailers available in the CURewards Mall. Just remember to click on the links in each offer, or use your card when shopping at participating retailers online.

Don’t have a Fortera VISA? Apply today and start earning your way to exciting gifts and travel. To learn more about Fortera VISA products, visit us at www.ForteraCU.com.

Earn Valuable Reward Points

GET REWARDED THIS HOLIDAY SEASON!

Board of DirectorsAs a member of Fortera Credit Union, you own part of the Credit Union and are able to serve as a volunteer to help shape our future. The Board’s Recruiting Committee is seeking members interested in making a difference by serving as a member of the Board of Directors.

Elections, if necessary, will take place prior to the Annual Meeting scheduled for May 18, 2017. The Board encourages all interested members to submit an application. Candidates must be a primary member in good standing, have been a member of the Credit Union for at least two years and must be willing and able to attend monthly Board meetings in addition to scheduled committee meetings.

To apply to serve as a director or a committee member, submit a letter of application, along with a personal resumé to:

Recruiting Committee Board of DirectorsFortera Credit Union2050 Lowe’s Drive, Clarksville, TN 37040-1620

Application Deadline: November 1, 2016 Call us at 931.431.6800 or 800.821.5891 for more information.

Member Advisory BoardsIn our continuing effort to provide members the best possible financial solutions, Fortera Credit Union is seeking applicants to serve on our Clarksville, Hopkinsville, or Oak Grove Member Advisory Boards. These boards of volunteers provide a vital link between our Board of Directors, staff, and the membership. Who better to seek input and ideas from than dedicated members like you! The mission of the Member Advisory Board is to advise Fortera Credit Union, on behalf of the membership, as to how best to achieve lasting relationships with our members and be our community’s first choice for financial solutions providing an extraordinary service experience.

If you are interested in making a positive impact in the lives of our members, then we invite you to apply. Since not all boards may have vacancies, during the interview process, you will be advised which locations have a need for volunteers. You can apply at www.ForteraCU.com or you may pick up an application at one of our branch locations. Please submit your application by November 3, 2016.

EVENTS & HOLIDAYS

INTRODUCING... FORTERA PAYMENT CENTER

Home Equity Loan Rates

for up to 60 months

% APR*2.99as

low as

Wherever life takes you.

931.431.6800 | 800.821.5891 | ForteraCU.com

*APR = Annual Percentage Rate. Rates and terms based on approved credit. Owner-occupied properties only. Sample monthly payment for principal and interest based on $20,000 balance with a 60-month, fixed rate of 2.99% APR would be $359.28 for 60 payments. Loan payment example does not include taxes or insurance premiums. Automatic payments are not required for loan approval. 1Interest will still accrue with the ‘No Payments for 90 Days’ offer. 2If a member wants an appraisal to support a higher value, any appraisal cost will be paid by the member, who is responsible for the fee whether or not the loan closes. 3Consult your tax advisor regarding deductibility. To receive advertised product you must become a member of Fortera by opening a share (savings) account. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Property insurance is required. Rates effective as of October 1, 2016. Rates may change without notice.

Tap into the equity in your home and use it for home improvements, building a deck or patio, landscaping, and so much more.

•Noclosingcosts

•Noapplicationfee

•Noannualfee

•Noappraisal2

•Interestmaybetax-deductible3

Put your home’s equity to work. Apply online or in person today!

— Plus —No Payments for 90 days1

Big Ideas.Smaller Rates.

Online Payments from Non-Fortera AccountsWe are excited to announce the new online Fortera Payment Center is now available. Paying your Fortera Credit Union loan payment from a non-Fortera checking or savings account anytime, anywhere is now quicker and easier than ever. Payments can be scheduled in the new Web Payment Portal up to seven days in advance and will post to your loan the same day if made by 6:00 pm CST, Monday through Friday. Best of all, online loan payments through this new service are absolutely free! Visit our website at www.ForteraCU.com and click the Make a Payment button.

Shred DayIn an effort to help fight identity theft, Fortera Credit Union is hosting a FREE Shred Day on Saturday, October 29 from 9:00 am - 12:00 pm at the 2050 Lowe’s Drive Branch in Clarksville, TN and 130 Griffin Bell Drive Branch in Hopkinsville, KY. Please bring your sensitive papers and have them safely disposed of. Shred It will be on hand and can only shred paper items. This event is open to the community.

Opening Late All offices and branch locations will delay opening until 10:00 a.m. on Wednesday, October 12, 2016. Thank you for your understanding as we provide staff the opportunity to meet and train as an entire group. Holiday RemindersThe Walmart Supercenter Branch located at 300 Clinic Drive, Hopkinsville, KY will be open from 9 a.m. – 1 p.m. on Monday October 10, 2016 for Columbus Day and Veterans Day on Friday, November 11, 2016. All other Fortera Credit Union offices and branch locations will be closed.

All Fortera Credit Union offices and branch locations will be closed on the following holidays:

Thanksgiving Day Thursday, November 24, 2016

Christmas Day Monday, December 26, 2016

New Years Day Monday, January 2, 2017

Why Stop Now?

OurHomeEquityLoanprovidesthefinancingyou need to take on your goals with the flexibilitytomakeithappen.

Summer is gone and winter will be here soon, so take advantage of the nice weather for any last minute home improvements.