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United States Army
ACS Consumers Affairs and Financial Planning
1501 William C. Lee Rd (inside Gate 1)
Fort Campbell, KY 42223
Resources are available to help you understand and manage your finances, including one-on-one financial counseling to assist you and your family with financial readiness. Services are designed to focus on money management issues throughout your active-duty lifecycle and into retirement. Financial readiness educational opportunities range from basic planning to long-term investing. Check out the information below to see what’s available at your installation.
If you are having trouble managing your finances, The Financial Readiness Program will assist you. Individual budget counseling is provided to teach Soldiers how to increase their monthly cash flow. Money Management Classes are provided to educate Soldiers and their Families about savings and investment options to create future financial freedom.
If you need financial assistance for rent, food, utilities, vehicle insurance, and unexpected vehicle repair, contact the Army Emergency Relief (AER) at 270-798-5518. Army Emergency Relief is located at the main ACS Building 1501 William C. Lee Rd. Hours of Operation are; Mon to Fri 0730-1600 Closed on Weekends and Federal Holidays.
Army Emergency Relief - Financial assistance is available for active duty, retired service personnel, and their Family Members. Family Members of deceased personnel and members of the reserve components on continuous active duty for more than 30 days are also eligible for AER assistance. Assistance will be provided as a non¿interest bearing loan, a grant (when appropriate), or a combination of loan and grant. Types of emergencies covered are: nonreceipt of or loss of funds; medical, dental and hospital expenses; funeral expenses for immediate Family Members; travel expenses related to emergencies; rent, food, utilities, vehicle insurance, and unexpected vehicle repair. Emergency Leave and Army Emergency Relief (AER) are usually unavailable without Red Cross validation. All financial assistance is provided on behalf of the AER or Aid Society applicable to the branch of service. Financial assistance is provided from the American Red Cross after duty hours.
Financial Planning - The ACS Financial Readiness Program provides financial management training through scheduled classes, one-on-one financial counseling, workshops and seminars to help Soldiers and Family Members improve their financial stability.
Budget Counseling – Help establish an individual or family budget that will create a more effective monthly spending plan.
Financial Classes given by our Financial Counselors –
Consumer Affairs Office -- The Consumer Affairs Office (CAO) 270-798-5518 serves as a consumer advocate for Soldiers and their Families. CAO serves as a mediator between Soldiers and business establishments. CAO is a one-stop service for Soldiers and their Families to save money. We maintain a library of consumer materials and can assist you in making wise decisions with large purchases and contract reviews. Our office will review contracts prior to signing, assist with price comparison and financing information, discuss warranties, and provide the client with negotiating power to make a purchase. Carfax ,a report that provides a complete history on used vehicles, is available free of charge to soldiers purchasing used vehicles.
Cost of Living -- There is no COLA entitlement for this area. The local area enjoys a cost of living lower than the average for all major U.S cities. On a nationwide average of 1.0, Clarksville's cost of living .75 and Hopkinsville is .58. The sales tax for Tennessee is 9.5 and Kentucky is 6.0. Tennessee does not have a State Income Tax, Kentucky pays State Income Tax.
Advanced Pay -- Do not request advance pay from basic pay. This is a loan and you will pay the money back. Advanced pay repayment will be automatically withdrawn from your monthly pay. This will reduce your monthly income.
Average Costs for Rentals - Apartment
Houses for Rent
Average Monthly Utilities
Car Insurance --Minimum car insurance coverage requirements $25000.00. Maximum car insurance coverage $50000.00.
If you need financial emergency assistance while en-route to Fort Campbell, request financial assistance at a nearest American Red Cross or Salvation Army. If it's a medical emergency call 911 or go the nearest local hospital for assistance.
If your vehicle brakes down contact the American Automobile Association for assistance.
Remember to contact Ft Campbell Replacement Detachment at 270-798-2813 if you are unable to report in on the date written on your orders due to an emergency situation.
Army Emergency Relief -- 270-798-5518 - Financial assistance is available for active duty, retired service personnel, and their Family Members. Family Members of deceased personnel and members of the reserve components on continuous active duty for more than 30 days are also eligible for AER assistance. Assistance will be provided as a non¿interest bearing loan, a grant (when appropriate), or a combination of loan and grant. Types of emergencies covered are: Rent/Mortgage, Utilities/Deposit, Food, Emergency Travel, Dental Medical, Car Seats, Vehicle Repair, Replacement Vehicle, Essential Furniture, Funeral Expenses, Non-Receipt of Pay/Loss of Funds, Minor Home Repairs, Cranial Helmets. All financial assistance is provided on behalf of the AER or Aid Society applicable to the branch of service. Financial assistance is provided from the American Red Cross after duty hours.
Plan a PCS BudgetThe Army Community Service Financial Readiness Program provides financial management to include a permanent change of station budget and one-on-one financial counseling for soldiers and families making a PCS move. Contact the Financial Readiness Program at 270-798-5518 to schedule an appointment. The ACS Financial Readiness Program is located at the main ACS building, 1501 William C. Lee Road (inside gate 1).
Where the Money Might Go When You PCS:
Whenever you PCS, you are going to be faced with some unusual expenses. Be sure to plan ahead! Listed below are several expenses you will incur. You may have additional expenses besides these:
Other Financial Impact:
Where the Money Might Come From:
Caution: Don't take or spend Advance Pay unless it is absolutely essential. You will have to pay it back through monthly deductions from your pay, which will leave you with less money to live on every month until it is paid back in full. Don't take Advance Pay just to buy something you want, like a new stereo or car. Be even more cautious when considering Casual Pay, or an advance of wages.
Plan ahead for your move. Start saving now!