FAQs

Have loved ones visiting? Let them know that they can use Fortera’s and Life’s CO-OP Shared Branch Network locations to manage their money. If they are members of a credit union that participates in the CO-OP Shared Branch Network, they can visit our Life Credit Union powered by Fortera branch or Fortera’s Fort Campbell location and talk to our friendly team members about any and all of their financial concerns.

It will be even easier for you to conduct your business remotely once we merge with Fortera CU with their 24- hours-per-day, 7-days-per-week Contact Center, shared branch network, continued ability to secure loans remotely, etc.  Below are several links to provide more information specifically about shared branch network, as well as how you can find surchargefree ATMs near you.

• Learn more about the shared branch network in general and how it works.
• To find shared branch network locations where you live, search by your city or by zip code.
• To find local ATMs, use your zip code or search by the city.  You can use this when you travel, too.

You will want to check your account statements for the special two-digit suffix which identifies each of your Life Credit Union accounts.

If this is your first time using Audio Response, you will also need your Life Member Number/Account Number, and the last 4 digits of your social security number.

Yes! We frequently recommend these sites to our members:

• J.D. Power / NADA Guides – The official used car guide company.
• Carfax – A vehicle history service.

You can apply online, contact us by phone at 615-230-5433 (LIFE) or come by the branch.

Life members enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

To cancel Bill Pay, please call our Member Services team at 615-230-LIFE, option 3.

Bill Pay is free, if it is used at least once per month. If it is not used, there is a non-usage fee of $5.95 charged per month.

You can complete almost any simple banking task, including paying bills, transferring funds and checking your account balance. You can even deposit checks!

If you don’t have the FREE app, find out more and download it for your on-the-go convenience!

Life members enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

CardValet® is an app that helps you manage and protect your Life CU Visa® debit card. It can help safeguard your card against fraud. You can even set your card spending if you are trying to stick to a budget.  For more details, visit the CardValet® page to download the app or learn more about the features.

You can view this quick tutorial about CardValet® to see a demonstration of the app and its functions.

You can view the details of recent account transactions via CardValet®:

• Go to “Card Details”, then select “Recent Transactions”

• View pending, canceled, denied and posted transactions

At your request, your money or select amounts you specify are sent from your direct deposit to your accounts at Life Credit Union. Payroll deduction can also be used for repayment of loans and deposits to money market accounts and investments.

Vacation Savings account holders have two withdrawals available anytime from January through December in the calendar year, so you can plan your vacation for whenever you want it. For additional withdrawals, charges will apply.

Yes. The minimum balance is $10.

Direct deposit is available for paychecks, pension checks, social security, and other federal payments.

Yes! We frequently recommend these sites to our members:

• Internal Revenue Service – The IRS online.
• NCUA – National Credit Union Administration.
• Bloomberg – Investment information service.

Yes! We frequently recommend these sites to our members:

• J.D. Power / NADA Guides – The official used car guide company.
• Carfax – A vehicle history service.

You can now apply online through our virtual online banking tool.

There is a $35.00 loan processing fee due when you apply for a loan.

If you do not have access to online banking, please contact us by phone or email to request a loan application, or come into the branch:

Pat: 615-230-5433, ext. 2037, pat@lifecu.org

Christa: 615-230-5433, ext. 5439, christa@lifecu.org

Cristy: 615-230-5433, ext. 3236, cristy@lifecu.org


Roxanne: 615-230-5433, ext. 3070, roxanne@lifecu.org

Yes. The minimum opening balance is $100.

For a Roth IRA, you will pay taxes upfront, but won’t have to pay any taxes on the money when you withdraw it in retirement. A Traditional IRA will reduce your initial tax burden, since you can deposit the money without paying taxes on it, but you will pay taxes on your distributions in retirement. Click here to learn more.

It will be even easier for you to conduct your business remotely once we merge with Fortera CU with their 24- hours-per-day, 7-days-per-week Contact Center, shared branch network, continued ability to secure loans remotely, etc.  Below are several links to provide more information specifically about shared branch network, as well as how you can find surchargefree ATMs near you.

• Learn more about the shared branch network in general and how it works.
• To find shared branch network locations where you live, search by your city or by zip code.
• To find local ATMs, use your zip code or search by the city.  You can use this when you travel, too.

Life members enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Visit our locations page to find all of our convenient ATM locations. Life members also enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

CardValet® is an app that helps you manage and protect your Life CU Visa® debit card. It can help safeguard your card against fraud. You can even set your card spending if you are trying to stick to a budget.  For more details, visit the CardValet® page to download the app or learn more about the features.

We have two options in ordering checks, you may order from Checks for Less (now Bank-A-Count) or Harland-Clarke. You can order online from Bank-A-Count, or give us a call.

If you have any questions or would like us to help you order from either company, please call our Member Services Team at 615-230-5433, option 3.

Styles and prices are subject to change by the respective companies. 

It will be even easier for you to conduct your business remotely once we merge with Fortera CU with their 24- hours-per-day, 7-days-per-week Contact Center, shared branch network, continued ability to secure loans remotely, etc.  Below are several links to provide more information specifically about shared branch network, as well as how you can find surchargefree ATMs near you.

• Learn more about the shared branch network in general and how it works.
• To find shared branch network locations where you live, search by your city or by zip code.
• To find local ATMs, use your zip code or search by the city.  You can use this when you travel, too.

Life members enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Visit our locations page to find all of our convenient ATM locations. Life members also enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

It will be even easier for you to conduct your business remotely once we merge with Fortera CU with their 24- hours-per-day, 7-days-per-week Contact Center, shared branch network, continued ability to secure loans remotely, etc.  Below are several links to provide more information specifically about shared branch network, as well as how you can find surchargefree ATMs near you.

• Learn more about the shared branch network in general and how it works.
• To find shared branch network locations where you live, search by your city or by zip code.
• To find local ATMs, use your zip code or search by the city.  You can use this when you travel, too.

Life members enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Visit our locations page to find all of our convenient ATM locations. Life members also enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

No worries! Both your Kasasa accounts are always free. You even earn our base interest rate. Plus, you can still earn your full rewards the very next cycle.

It will be even easier for you to conduct your business remotely once we merge with Fortera CU with their 24- hours-per-day, 7-days-per-week Contact Center, shared branch network, continued ability to secure loans remotely, etc.  Below are several links to provide more information specifically about shared branch network, as well as how you can find surchargefree ATMs near you.

• Learn more about the shared branch network in general and how it works.
• To find shared branch network locations where you live, search by your city or by zip code.
• To find local ATMs, use your zip code or search by the city.  You can use this when you travel, too.

Life members enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Visit our locations page to find all of our convenient ATM locations. Life members also enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Life members enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Visit our locations page to find all of our convenient ATM locations. Life members also enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Collateral is something you pledge as security for repayment of a loan, such as your car or home.

Both of these loans are available without collateral. A signature loan is offered as a lump sum, whereas a line of credit is a source of funds that you can draw from whenever you choose. With a line of credit, the money that is repaid becomes available again. There are advantages to both, depending upon your needs and circumstances. A signature loans gives you more cash up front, whereas a line of credit is more flexible.

Life Credit Union’s new branch location will be a permanent home for us for many years.

Return to the Merger/Partnership page.

Though there are always some changes with a merger, we believe you’ll find them all to be of great benefit to Life members. Through our partnership, you will have access to an expanded line-up of products and services, as well as additional banking conveniences.  The same friendly service you receive now will continue and be enhanced by our growing family of supportive team members.

Return to the Merger/Partnership page.

It will be even easier for you to conduct your business remotely once we merge with Fortera CU with their 24- hours-per-day, 7-days-per-week Contact Center, shared branch network, continued ability to secure loans remotely, etc.  Below are several links to provide more information specifically about shared branch network, as well as how you can find surchargefree ATMs near you.

• Learn more about the shared branch network in general and how it works.
• To find shared branch network locations where you live, search by your city or by zip code.
• To find local ATMs, use your zip code or search by the city.  You can use this when you travel, too.

It will take several months to transition Life’s products and services, account numbers and applications to Fortera.  You will receive detailed information well in advance of any changes and resources that will help guide you throughout the process. We are committed to providing you with a seamless service experience during this transition.

Return to the Merger/Partnership page.

It will be even easier for you to conduct your business remotely once we merge with Fortera CU with their 24- hours-per-day, 7-days-per-week Contact Center, shared branch network, continued ability to secure loans remotely, etc.  Below are several links to provide more information specifically about shared branch network, as well as how you can find surchargefree ATMs near you.

• Learn more about the shared branch network in general and how it works.
• To find shared branch network locations where you live, search by your city or by zip code.
• To find local ATMs, use your zip code or search by the city.  You can use this when you travel, too.

It will take several months to transition Life’s products and services, account numbers and applications to Fortera.  You will receive detailed information well in advance of any changes and resources that will help guide you throughout the process. We are committed to providing you with a seamless service experience during this transition.

Return to the Merger/Partnership page.

CardValet® is an app that helps you manage and protect your Life CU Visa® debit card. It can help safeguard your card against fraud. You can even set your card spending if you are trying to stick to a budget.  For more details, visit the CardValet® page to download the app or learn more about the features.

Yes! Your online banking password is the same as your mobile app password. We have fingerprint login, too! (on enabled devices). For extra security on some transactions, you will be required to type in your password, too.

It will take several months to transition Life’s products and services, account numbers and applications to Fortera.  You will receive detailed information well in advance of any changes and resources that will help guide you throughout the process. We are committed to providing you with a seamless service experience during this transition.

Return to the Merger/Partnership page.

You can complete almost any simple banking task, including paying bills, transferring funds and checking your account balance. You can even deposit checks!

If you don’t have the FREE app, find out more and download it for your on-the-go convenience!

Yes! If you have a Life CU debit card, we recommend downloading our CardValet app.  This app allows you to control your debit card usage and spending on the go! CardValet® helps you safeguard your card and protect yourself against fraud.  Learn more about CardValet.

It will take several months to transition Life’s products and services, account numbers and applications to Fortera.  You will receive detailed information well in advance of any changes and resources that will help guide you throughout the process. We are committed to providing you with a seamless service experience during this transition.

Return to the Merger/Partnership page.

CardValet® is an app that helps you manage and protect your Life CU Visa® debit card. It can help safeguard your card against fraud. You can even set your card spending if you are trying to stick to a budget.  For more details, visit the CardValet® page to download the app or learn more about the features.

Yes. You will need to maintain a balance of $500 or more in order to earn interest.

No, there is no minimum.

There are tiered rates, based on the amount in your account. See rate sheet for details.

Want to learn more about the mortgage process? Check out these helpful websites:

Homebuyer Education by Freddie Mac
Freddie Mac, one of America’s biggest buyers of home mortgages, is a stockholder-owned corporation chartered by Congress in 1970 to keep money flowing to mortgage lenders in support of homeownership and rental housing. Learn more about how we make home possible. This site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.

Home Loan Learning Center
The Home Loan Learning Center provides step-by-step information on how to become financially literate. Armed with the facts, your next move could be into your own home. Learn about credit reports and scores; the true cost of owning a home; and how to compare the costs of owning versus renting a home. This site is powered by the Mortgage Bankers Association.

Federal Reserve Board Consumer Information
The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages and personal finance. The section provides a guide to mortgages and tips on understanding ARMs.

Yes! As a member of Life CU member, you can get tickets to Holiday World & Splashin’ Safari at a significant discount!

Purchase your discounted tickets online, go to: www.holidayworld.com/funclub .  Use our special login information to access your discounts.

Username – Holiday850            Password – World850

Holiday World will OPEN to the general public on Saturday, May 15, with Splashin’ Safari opening on Friday, May 21.

For more about Holiday World, go to our Life CU Perks page.

You can now apply online through our virtual online banking tool.

There is a $35.00 loan processing fee due when you apply for a loan.

If you do not have access to online banking, please contact us by phone or email to request a loan application, or come into one of our branches:

Pat: 615-230-5433, ext. 2037, pat@lifecu.org
Christa: 615-230-5433, ext. 5439, christa@lifecu.org
Cristy: 615-230-5433, ext. 3236, cristy@lifecu.org

Not at this time. Due to a significant increase of fraudulent transactions originating from car rental businesses, these type of debit card transactions will no longer be accepted.

For car rentals, we recommend using a Life CU VISA® credit card, which is easy to apply for and offers rewards. Apply now!

You may also contact your local car rental company in advance to see if they will accept a PrePaid VISA® card, which is also available at Life CU.

The cost is $5 per card.

Yes. Contact us to receive a replacement pre-paid card with a corresponding balance.

You can apply online, contact us by phone at 615-230-5433 (LIFE) or come by the branch.

Yes, the applicant must have earned a minimum 2.5 cumulative GPA on a 4.0 grade scale.

These are the current requirements:

• Applicant is a member or dependent child of a member of Life CU. (A dependent child is defined as a naturally born/legally adopted child, a stepchild and/or a legal ward supported principally by the parent or guardian).
• *Life CU Board of Directors, Supervisory Committee, Scholarship Committee Members, employees, and dependents of those listed, are not eligible to participate.
• Applicant must be a high school senior planning to enroll in a full-time undergraduate course of study at an accredited two or four year college, university, or vocational/technical institute.
• Applicant must have earned a minimum 2.5 cumulative GPA on a 4.0 grade scale.

Get a copy of the scholarship application or visit the Scholarship page.

On the scholarship application, you must include:

• A description of your extracurricular activities. Please include clubs, athletics, religious organizations, and community-related activities. Identify positions of leadership held with each activity, if applicable. You may attach an extra sheet if you need more space.
• At least one letter of reference.
• A signature by a school counselor/principal certifying the grade point average. (Not required this year 2020)
• An official transcript of your grades.  (If a final transcript is not available by the scholarship deadline, the
  most recent available transcript is acceptable.)
• An essay (minimum 250 words) which names a person you admire, and explains why you admire them.

Yes. We provide Student Loans in partnership with Sallie Mae.

Sallie Mae also offers access to their scholarship search tool, which includes over 3 million scholarship opportunities!

Collateral is something you pledge as security for repayment of a loan, such as your car or home.

Both of these loans are available without collateral. A signature loan is offered as a lump sum, whereas a line of credit is a source of funds that you can draw from whenever you choose. With a line of credit, the money that is repaid becomes available again. There are advantages to both, depending upon your needs and circumstances. A signature loans gives you more cash up front, whereas a line of credit is more flexible.

A variable interest rate means that the rate will change as market interest rates change. As a result, your payment amounts will vary as well.

A fixed interest rate means the rate will remain fixed for that loan’s entire term, no matter what market interest rates do. This also means your payments will be the same over the entire term.

An origination fee is charged by a lender upon entering into a loan agreement to cover the cost of processing the loan. The Sallie Mae program does not charge origination fees for student loans.

Yes. In fact, if a parent or other creditworthy individual cosigns the loan with you, it may give you a better chance of approval.

No. In fact, we encourage you to explore other funding options first, and then use a student loan to pay the rest, if needed. Be sure to search out scholarship opportunities and grants, since you won’t ever need to repay those. To get started, we recommend exploring Sallie Mae’s college planning section. We also encourage you to apply for Life CU’s own scholarship.

We have terms starting at 6 months and going all the way up to 60.

Yes. The minimum opening balance is $1,000.

At your request, your money or select amounts you specify are sent from your direct deposit to your accounts at Life Credit Union. Payroll deduction can also be used for repayment of loans and deposits to money market accounts and investments.

Vacation Savings account holders have two withdrawals available anytime from January through December in the calendar year, so you can plan your vacation for whenever you want it. For additional withdrawals, charges will apply.

Yes. The minimum balance is $10.

Yes! We frequently recommend these sites to our members:

• J.D. Power / NADA Guides – The official used car guide company.
• Carfax – A vehicle history service.

If your Visa credit card has been lost or stolen,  please call 1-800-325-3678.  If you are outside of the US, call 1-410-581-3836.

If you suspect fraud or need to dispute a Visa credit card charge, call 1-800-600-5249, immediately.

If you suspect fraud or need to dispute a Visa credit card charge, please call 1-800-600-5249 immediately.

If your Visa credit card has been lost or stolen, then call 1-800-325-3678.  If you are outside of the US, call 1-410-581-3836.

A unsecured card simply means your card is not backed up by your savings account or another form of collateral. This means your rate will be slightly higher (but still a great deal). We have both unsecured and secured cards available, and both feature advanced security features.

eZCard is a free service that lets you easily manage your credit card online. eZCard includes features such as:

• Account Summary Information
• Online Statement
• Data downloadable to financial software such as Quicken or Money
• Online Credit Card Payments
• Transaction and Spending Reports
• E-mail notifications of conditions or events on your account

Not at this time. Due to a significant increase of fraudulent transactions originating from car rental businesses, these type of debit card transactions will no longer be accepted.

For car rentals, we recommend using a Life CU VISA® credit card, which is easy to apply for and offers rewards. Apply now!

You may also contact your local car rental company in advance to see if they will accept a PrePaid VISA® card, which is also available at Life CU.

If your Visa credit card has been lost or stolen,  please call 1-800-325-3678.  If you are outside of the US, call 1-410-581-3836.

If you suspect fraud or need to dispute a Visa credit card charge, call 1-800-600-5249, immediately.

If you suspect fraud or need to dispute a Visa credit card charge, please call 1-800-600-5249 immediately.

If your Visa credit card has been lost or stolen, then call 1-800-325-3678.  If you are outside of the US, call 1-410-581-3836.

If you are currently a member and use online banking, you can sign into your account and click on “Apply for a Loan” to start the application process for a Life CU VISA® credit card. You can also come into the branch to apply for one.

Apply Online

Download Application

We have two options in ordering checks, you may order from Checks for Less (now Bank-A-Count) or Harland-Clarke. You can order online from Bank-A-Count, or give us a call.

If you have any questions or would like us to help you order from either company, please call our Member Services Team at 615-230-5433, option 3.

Styles and prices are subject to change by the respective companies. 

Not at this time. Due to a significant increase of fraudulent transactions originating from car rental businesses, these type of debit card transactions will no longer be accepted.

For car rentals, we recommend using a Life CU VISA® credit card, which is easy to apply for and offers rewards. Apply now!

You may also contact your local car rental company in advance to see if they will accept a PrePaid VISA® card, which is also available at Life CU.

Life members enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Visit our locations page to find all of our convenient ATM locations. Life members also enjoy 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.) But you can count on getting to your money when you want, wherever you are, all thanks to our CO-OP Shared Branch Network. Text a ZIP Code to 91989 to find nearby CO-OP Shared Branch Network ATMs and branch locations or visit the CO-OP website.

Yes. We can issue a replacement card with a corresponding balance.

The cost is $4 per card.