Employee Resources Credit Union Lawrenceburg TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Employee Resources, where we are dedicated to serving our community with trust and reliability. Located at 2135 N Locust Ave, Lawrenceburg, TN 38464, our credit union has been a pillar of support since we opened our doors in 1964. With a strong commitment to our members, we proudly serve over 22,908 members and manage total assets of $165,295,360. At Employee Resources, we understand the importance of financial security and accessibility. We offer a range of services tailored to meet your needs, from personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards. Our experienced team is here to guide you through every step of your financial journey. While members can visit us at our main office, official correspondence should be sent to our mailing address: P O Box 987, Lawrenceburg, TN 38464-4455. As part of our commitment to transparency and community impact, we maintain a net worth of $15,870,166 and have cash reserves amounting to $3,966,475, ensuring that we remain financially robust for our members. Under the leadership of CEO Konda Bowling and Board President Danny Lucy, we have cultivated an environment focused on member satisfaction. Our friendly staff of 55 employees is ready to assist you during our operating hours from 8:00 AM - 4:30 PM on weekdays. We invite you to explore what Employee Resources has to offer. Whether you're looking for loans, savings options, or simply need financial advice, we're here for you. Feel free to give us a call at 931-766-9288 or visit us online at www.ercu.org for more information about our services or to open an account today!

Branch History & Mission

At Employee Resources, our journey began in 1964 in the heart of Lawrenceburg, TN. Over the years, we have transformed from a small credit union into a trusted financial partner for over 22,000 members. Our branch, located at 2135 N Locust Ave Lawrenceburg, TN 38464, stands as a testament to our dedication to serving the community and helping individuals achieve their financial goals. Throughout our history, we've achieved significant milestones that reflect our commitment to growth and innovation. With total assets now exceeding $165 million, we have continuously adapted to meet the evolving needs of our members. Our mission is straightforward: to provide accessible financial services while uplifting our community through various outreach initiatives. We believe that everyone deserves the opportunity for financial success and stability. Our operating hours are designed with your convenience in mind, open Monday through Friday from 8:00 AM to 4:30 PM. We understand that life can be busy, so we also offer ATM services and drive-thru banking for quick transactions without leaving your vehicle. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to P O Box 987, Lawrenceburg, TN 38464-4455 if necessary. At Employee Resources, we prioritize not just financial transactions but building relationships within our community. Our digital advancements ensure that you can bank anytime and anywhere with online banking and mobile payment options. We aim to provide ADA-compliant services so that all members can access what they need easily. We take pride in our partnerships with local organizations and strive to contribute positively through various community programs. Our focus on member service means we listen to your feedback and continually seek ways to enhance your experience with us. We invite you to join us at Employee Resources and experience firsthand the benefits of being part of a supportive credit union that truly cares about its members. Together, let's build a brighter financial future! For more information or to become a member today, feel free to give us a call at 931-766-9288 or visit us online at ercu.org.

Branch Location & Accessibility

Connect with Us

If you have any questions or need further assistance before your visit, please don't hesitate to reach out. And remember while members can visit us at 2135 N Locust Ave for all their banking needs, official correspondence should be sent to P O Box 987 in Lawrenceburg. We invite you to stop by Employee Resources today and discover how we can help you achieve your financial goals!

Convenient Access and Features

At our Lawrenceburg Main Office, we pride ourselves on accessibility. Ample parking is available right outside the entrance, making it easy for you to come in and chat with our team. We are fully ADA compliant, ensuring that everyone can access our services without any hassle. Plus, with a drive-thru banking option available, you can take care of your banking needs from the comfort of your vehicle. Our lobby hours are designed to fit into your busy schedule. We're open Monday through Friday from 8:00 AM to 4:30 PM, so whether you're heading out for work or running errands during the day, we've got you covered. If you need assistance outside these hours, feel free to give us a call at 931-766-9288; we're always happy to help!

Services Tailored for You

As part of our commitment to serving our members, we offer a range of financial services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. For business owners, we provide merchant services and business loans to support your growth. While you're here at our branch in Lawrenceburg, don't forget about our ATM availability! Need cash? Our ATM is ready when you are.

Member Eligibility

Becoming a member of Employee Resources is like joining a close-knit family that supports your financial journey. If you're looking to enjoy the benefits of personalized service and community-focused banking, you've come to the right place. To qualify for membership, you typically need to live, work, worship, or attend school in our local area, or have a family member who is already part of our credit union. It's all about creating a community that shares common goals and values. For specific eligibility criteria, feel free to visit this link for more details. Opening an account with us is simple and straightforward! Just head over to our online portal at this link to get started. If you have any questions or need assistance along the way, don't hesitate to give us a call at (931) 766-9288. We're here to help you every step of the way and can't wait to welcome you into the Employee Resources 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - 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, we offer merchant services that help streamline your daily operations. Imagine accepting payments easily and securely, allowing you to focus on what matters most growing your business. Our tailored solutions ensure you can manage transactions smoothly, making it easier than ever to keep your customers satisfied. Visit us at 2135 N Locust Ave Lawrenceburg Tn 38464 in Lawrenceburg, TN or call us at (931) 766-9288 to learn how we can help turn your business aspirations into reality!

Comprehensive List Of Services

Accessing Cash When You Need It

Need cash? Our ATM & Cash Withdrawal Services ensure that you have access to your funds when needed. Plus, our Basic Drive-Thru Banking makes deposits and withdrawals simple and quick perfect for those busy days when you're on the go. At Employee Resources, we strive to make banking easy and accessible for everyone in our community. If you're ready to take the next step in managing your finances or if you have any questions about our services, don't hesitate to reach out! Call us at (931) 766-9288 or visit us at 2135 N Locust Ave Lawrenceburg Tn 38464 today!

Business Banking Support

For our business members, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. We understand that running a business comes with its own set of challenges, and we're here to provide the financial tools necessary for success.

Credit Cards with Rewards

We know that every purchase counts, which is why our Credit Cards with Rewards program allows you to earn points on every dollar spent. These rewards can be redeemed for travel, merchandise, and more making it worthwhile to use your card for everyday purchases.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking services allow you to access your accounts anytime and anywhere. With features like mobile payments and person-to-person transfers, managing your finances has never been easier.

Flexible Loan Options

If you're considering purchasing a new vehicle or refinancing an existing loan, our Auto Loans & Vehicle Financing can help make your dream car a reality. We also offer Mortgage Loans & Refinancing options that are designed to fit your budget, whether you're buying your first home or looking to refinance for better rates. For those unexpected expenses or projects around the house, our Personal Loans & Debt Consolidation services provide a straightforward solution. You can consolidate debt into one manageable payment, helping you regain control of your finances.

Personal Banking Made Easy

Our personal banking services are tailored to support your everyday financial needs. Start with our Checking & Savings Accounts, which offer competitive rates and easy access to your funds. Imagine being able to easily manage your money while earning interest on your savings this is what we aim for at Employee Resources.

Digital & Online Banking

Key Services

Our online banking platform puts you in control of your finances. You can check balances, transfer funds, and pay bills with just a few clicks. If you're looking for a quick way to send money to friends or family, our person-to-person transfer feature makes it easy and hassle-free. Plus, with the option for electronic signature authorization, signing documents is simple and secure, allowing you to complete transactions without needing to visit a branch. For those who prefer to bank on-the-go, our mobile application offers all the same features right at your fingertips. Whether you're making mobile payments or checking your e-statements, managing your money has never been easier. Speaking of e-statements, they're available for all members, giving you an eco-friendly way to keep track of your finances without the clutter of paper statements.

Security & Accessibility

We prioritize your security with robust measures in place to protect your information. Our user-friendly interface ensures that even those new to online banking can navigate with ease. Enjoy real-time account management from the comfort of your home or while out running errands; our services are designed for your convenience. Experience the benefits of modern banking with Employee Resources today! Sign up or log in at https://www.ercu.org/ and discover how easy it is to take charge of your financial journey.

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. Our strong financial foundation allows us to provide you with the best services possible, ensuring that your money is safe and growing. 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 9.60% 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. This means you can invest with confidence knowing your funds are well-managed. While we don't have non-member deposits at this time, our focus remains solely on benefiting you our valued members through better loan rates 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. This commitment to improvement is reflected in our lending capacity, which includes $4,151 in used auto loans and $127,265,828 in total loans and leases. We support your financial goals across various sectors. Our operational efficiency shines through with a net income of $133,388, 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 ready to assist you whenever you need help. Net Shares (Funds available for lending and investments) stand at $7,721,446, reflecting our commitment to providing flexible financing options. With a total of 40,784 share accounts, we showcase 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 2135 N Locust Ave Lawrenceburg Tn 38464 or call (931) 766-9288 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $63,351,767 in used vehicle loans and $18,342,997 in new vehicle loans to help our members get on the road with confidence. Whether you're looking for financing on a brand-new vehicle or a reliable used car, our flexible terms can fit your budget.

Business Financing

For business owners looking to grow and expand their operations, our outstanding commercial loans totaling $940,367 provide the capital needed to seize new opportunities. Whether it's for equipment purchase or working capital, we are here to support local businesses. If you're considering refinancing options or would like more information about eligibility requirements for any of our loan products, please visit us online or give us a call. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Employee Resources, we are committed to providing transparent and supportive financial solutions tailored to your needs. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $143,637. This could be your first step toward owning a home that meets your family's needs.

Unsecured Credit Card Loans

For those who need help managing day-to-day expenses or unexpected costs, we also provide flexible terms on unsecured credit card loans. With a total of $6,287,846 in unsecured credit card loans available, our members can effectively manage their finances while enjoying the benefits that come with our credit card options.

Loan Aggregator

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EMPLOYEE RESOURCES CREDIT UNION - Lawrenceburg, TN

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