Employee Resources Credit Union Adamsville TN | Best Auto Loans & Personal Banking

Introduction

Welcome to the Employee Resources branch, where community and finance come together in a trusted partnership. Located at 105 N Oak St, Adamsville, TN 38310, our branch has been serving the needs of local members since 1964. We take pride in being a cornerstone of support for our 22,908 members, fostering financial growth and stability. At Employee Resources, we understand that banking is more than just numbers it's about relationships. With total assets amounting to an impressive $165,295,360, we are equipped to offer a wide range of services tailored to meet your unique financial needs. Our commitment is reflected in our substantial total deposits of $16,247,618, ensuring that your hard-earned money is safe and sound. Led by our dedicated CEO, Konda Bowling, and Board President Danny Lucy, our team of 55 employees is here to provide you with personalized service and expert guidance. Whether you're looking for auto loans, mortgage options, or savings accounts, we have the tools and knowledge to help you succeed. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 867, Adamsville, TN 38310-1931. We invite you to explore how we can assist you on your financial journey. Feel free to reach out at 731-632-1168 or visit us online at ercu.org for more information. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

At Employee Resources, we take pride in our rich legacy that has served the community of Adamsville, TN since our inception in 1964. From our humble beginnings at 105 N Oak St, we've grown into a trusted financial partner for over 22,908 members. Our commitment to our members and the community has been at the heart of everything we do, driving us to expand our services and enhance our offerings. Over the years, we've seen significant milestones that showcase our growth and dedication. With total assets now exceeding $165 million, we continue to provide a wide range of financial solutions designed to meet the diverse needs of our members. Our mission is simple yet powerful: to empower individuals and families through accessible financial services while fostering a strong sense of community support. We believe that everyone deserves the opportunity to achieve their financial goals, and we strive to make banking easier and more inclusive for all. While members can visit us at 105 N Oak St Adamsville TN 38310, official correspondence should be sent to PO Box 867, Adamsville, TN 38310-1931. This location is easily accessible, situated near local landmarks that make it convenient for anyone in the area. Our operating hours are from 8:00 am to 4:40 pm, Monday through Friday, providing ample time for our members to seek assistance or manage their accounts. We also offer ATM availability for those who need quick access to cash. Although we currently do not have drive-thru service or shared service centers, we prioritize customer-centric initiatives by providing robust online and mobile banking options. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we are committed to supporting local initiatives through various partnerships and outreach programs. Our community involvement reflects our core values and strengthens the ties we share with those we serve. As we look ahead, we invite you to join us on this journey toward financial empowerment and community enhancement. Experience the benefits of being part of Employee Resources, where your needs come first. For more information or to become a member today, feel free to reach out at 731-632-1168 or visit our website at www.ercu.org. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the Employee Resources branch, conveniently located at 105 N Oak St in the heart of Adamsville, TN! We're proud to serve our community and provide a range of banking services right where you need them. If you're looking for us, just head down to Oak Street; we are easily accessible and nestled near local favorites like the Adamsville City Park. Our branch is designed with your convenience in mind. Parking is available nearby, making it easy for you to stop by. We also ensure that our facility meets accessibility standards, so everyone can enjoy a hassle-free visit. Whether you're stopping in for personal banking or simply have questions about our services, our friendly team is ready to assist you. While members can visit us at 105 N Oak St, official correspondence should be sent to PO Box 867, Adamsville, TN 38310-1931. We know your time is valuable, so we offer welcoming lobby hours from 8:00 AM to 4:40 PM, Monday through Friday. Although we don't have drive-thru banking available, we do provide ATM services for quick and easy access to your funds whenever you need them. At Employee Resources, we offer a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we are here to help you manage your finances effectively. Our online and mobile banking options make it even easier for you to stay connected with your accounts on the go. If you're in the area or planning a visit, we invite you to stop by or give us a call at 731-632-1168. Our dedicated staff looks forward to welcoming you and helping you achieve your financial goals!

Member Eligibility

At Employee Resources, we believe that everyone deserves a chance to be part of a caring community where their financial needs are prioritized. Becoming a member is simple and open to individuals who live, work, or worship in the area surrounding our branch at 105 N Oak St Adamsville Tn 38310. We welcome you with open arms if you are related to an existing member or part of an eligible organization. Joining us means gaining access to a variety of financial services tailored just for you, including competitive rates on loans and savings accounts, as well as personalized support from our dedicated team. To learn more about specific eligibility requirements, feel free to visit our detailed membership page at https://www.ercu.org/about-us-membership/. Once you're ready to take the next step, opening your account is straightforward! You can start the process by visiting https://my.homecu.net/banking/hculogin.prg?cu=ercu or simply give us a call at (731) 632-1168. We can't wait to have you join our family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $940,367, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services are designed to simplify your financial operations. Imagine processing payments effortlessly, whether in-store or online. Our services ensure you can accept various payment methods, helping you serve your customers better while managing your cash flow effectively. Visit us at 105 N Oak St Adamsville Tn 38310 or call (731) 632-1168 to learn more about how we can support your business goals today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services provide basic access for withdrawals and balance checks whenever you need them. With locations throughout the area, getting cash has never been easier. At Employee Resources, we pride ourselves on being more than just a bank; we're a partner in your financial journey. To learn more about how we can assist you or to open an account today, call us at (731) 632-1168 or visit us online at https://www.ercu.org/. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? We offer auto loans and vehicle financing solutions that cater to different budgets and preferences. Our team can guide you through the application process, ensuring you find a loan that fits comfortably within your financial plan. Picture driving off in your dream vehicle with a manageable payment schedule.

Business Banking

For entrepreneurs and business owners, Employee Resources offers business banking services including merchant services and business loans. We understand the challenges of running a business and are committed to providing solutions that support growth and success.

Credit Cards with Rewards

With our credit cards featuring rewards programs, every purchase can bring you closer to exciting benefits. Whether it's cash back or travel rewards, using our card can turn everyday spending into something more rewarding.

Mortgage Loans & Refinancing

For those ready to invest in their future, our mortgage loans can help turn the dream of homeownership into reality. If you're already a homeowner looking to reduce payments or tap into equity, refinancing options are available too. We understand that each member's situation is unique, which is why our experts work closely with you to find the best solution tailored just for you.

Personal Banking

Our personal banking services include checking and savings accounts that help you manage your finances with ease. Imagine having a dedicated space for your funds where you can easily track your spending and savings goals. With our online and mobile banking options, accessing your accounts is as simple as a few taps on your smartphone. You can check balances, transfer funds, and even make deposits without ever stepping into a branch.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy. Whether it's for home repairs or consolidating debt to simplify your finances, we're here to help. Imagine the relief of managing all your debts under one roof with one easy-to-manage monthly payment.

Digital & Online Banking

Key Features

Our online banking includes features like e-statements, which allow you to view your statements electronically, reducing paper clutter and helping you stay organized. Plus, with electronic signature authorization, signing documents has never been easier or more convenient. You can complete transactions without the hassle of printing and mailing forms. For those who prefer mobile banking, our user-friendly mobile application puts the power of banking right in your pocket. You can manage your accounts, make payments, and even send money to friends or family with our person-to-person transfer feature. And if you're out shopping, take advantage of our mobile payments option for quick and easy checkout.

Security and Accessibility

Security is our top priority. We employ robust measures to keep your information safe while offering easy access to your accounts whenever you need it. Our members can rest easy knowing that their financial data is protected as they enjoy the flexibility of managing their accounts online. With Employee Resources, real-time account management is just a click away. Whether you're checking your balance, transferring funds, or paying bills, our digital services are designed with you in mind making banking more accessible than ever before. Experience the convenience today!

Financial Strength

At Employee Resources, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that knowing your financial institution is solid helps you feel confident in your own financial journey. With a net worth of $15,870,166, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $960 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $56,305,380 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $6,229,914 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $4,151 in used auto loans and $127,265,828 in total loans and leases. Our operational efficiency is reflected in our $256,306, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 53 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $7,721,446. Total Share and Deposit Accounts: 40,784, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Employee Resources is your trusted partner. Visit us at 105 N Oak St Adamsville Tn 38310 or call (731) 632-1168 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Services

We encourage our members to explore our refinancing options, which can help lower monthly payments or access cash from existing equity. Visit us for more details about eligibility and how we can assist you in managing your financial journey effectively. Contact us today at (731) 632-1168 for personalized assistance or visit our website at https://www.ercu.org/ for more information about our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together to turn your financial dreams into reality!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $63,351,767 in used vehicle loans and $18,342,997 in new vehicle loans already helping members get on the road. We provide financing options that cater to your specific needs, making it easier than ever to drive home in your ideal vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $940,367 provide the capital needed to grow and expand. We offer tailored solutions that fit various business needs, whether you're starting a new venture or looking to upgrade existing operations.

Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $6,287,846 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs designed to enhance your spending power while keeping costs low.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $143,637, make buying or refinancing simple. We guide you through the mortgage process and help you understand your eligibility options, ensuring that you find the best solution for your housing needs.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all comparisons are fair and transparent. With LendMesh, you can trust that the offers you see reflect accurate and up-to-date information straight from legitimate lenders.

Benefits of Using LendMesh

One of the key advantages of using LendMesh is the verified data it provides. All loan offers come from credible financial institutions, promoting transparency throughout your loan search. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions, which means users receive unbiased results that are solely based on their needs. Another significant benefit is the real-time rate comparisons. The platform updates its loan rates regularly, ensuring that users have access to the most current offers available from multiple institutions. This feature allows you to compare options easily and find a loan that fits your financial situation. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals secure better financing options. Take control of your borrowing journey by comparing real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*