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

Introduction

Welcome to Employee Resources, your trusted financial partner located at 330 W Church St, Lexington, TN 38351. Since our establishment in 1964, we have been dedicated to empowering our community through quality financial services and support. With a total membership of 22,908 and assets exceeding $165 million, we pride ourselves on being a cornerstone of financial stability and growth for our members. At Employee Resources, we understand the importance of personalized service and community engagement. Our team, led by CEO Konda Bowling and Board President Danny Lucy, is committed to ensuring that each member feels valued and supported. Whether you're looking for auto loans, savings accounts, or business financing solutions, we are here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address for convenience. With total deposits reaching $16,247,618 and a solid net worth of $15,870,166, you can trust that your finances are in capable hands. We invite you to explore our services including online banking, personal loans, and credit card options with rewards. Our drive-thru service and ATM availability make banking easier than ever. If you have any questions or need assistance, feel free to call us at 731-968-8746 during our operating hours from 8:00 AM to 4:30 PM, Monday through Friday. Join us today at Employee Resources your financial future starts here! For more information about our offerings or to become a member, please visit our website at ercu.org.

Branch History & Mission

Join Us

We invite you to experience the benefits of being part of Employee Resources. Whether you're looking for personal loans, auto financing, or just need advice on managing your finances better, we're here for you. Join us today and let's build a brighter financial future together! For more information or assistance, feel free to call us at 731-968-8746 or visit our website at ercu.org.

Our Mission

At Employee Resources, our mission is clear: we aim to empower our members by providing exceptional financial services while actively engaging in community support. We believe that when our members succeed, the entire community thrives. This philosophy drives us to not only offer competitive rates on loans and savings but also engage in partnerships and outreach efforts that enrich the lives of those around us. While you can visit us at 330 W Church St, official correspondence should be sent to 330 W Church St, Lexington, TN 38351-2018. Our friendly team is here to assist you Monday through Friday from 8:00 am to 4:30 pm.

Our Story

Our journey began with a simple mission: to support our members' financial well-being and foster a sense of community. Located at 330 W Church St, our branch is easy to find and close to local landmarks that residents cherish. As we evolved, so did our offerings. From personal banking to business services, we have expanded our range of products while maintaining a focus on member satisfaction. As technology advanced, so did we. Our commitment to digital advancements means you can easily manage your finances online or via our mobile application. We also ensure that our services are accessible to everyone through ADA compliance and a variety of banking options including ATM availability and drive-thru service.

Branch Location & Accessibility

Convenient Access and Amenities

At Employee Resources, we prioritize your convenience. We have ample parking available right at our location, making it easy for you to stop by without any hassle. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone can visit comfortably. Our lobby hours are designed to fit your busy schedule, open from 8:00 am to 4:30 pm, Monday through Friday. If you're in need of quick banking services outside of lobby hours, our drive-thru service makes transactions easy and efficient for those on the go.

Get in Touch

We invite you to come see us at Employee Resources! If you have questions or need assistance before your visit, don't hesitate to call us at 731-968-8746. Our friendly team is here to help you with all your financial needs. We look forward to welcoming you soon!

Services Tailored for You

When you visit us at Employee Resources, you can take advantage of a variety of banking services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it 24/7! Should you prefer official correspondence through the mail, please send it to our mailing address: 330 W Church St, Lexington, TN 38351-2018.

Member Eligibility

At Employee Resources, we believe that everyone deserves a place to thrive and feel supported. Joining our community is easy! If you live, work, or go to school in the area around 330 W Church St Lexington Tn 38351, you may be eligible for membership. We welcome individuals from various backgrounds, ensuring that our services are accessible to all who need them. Becoming a member means gaining access to a variety of benefits, including competitive rates on loans and savings accounts, personalized service, and financial education resources tailored just for you. To learn more about eligibility requirements or to check if you qualify, visit our website at https://www.ercu.org/about-us-membership/. When you're ready to open an account, the process is straightforward just head over to https://my.homecu.net/banking/hculogin.prg?cu=ercu or give us a call at (731) 968-8746 for assistance. We're excited to have you join our community at Employee Resources!

Business Banking & Commercial Services

Financing Your Business Growth

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.

Streamlined Merchant Services

In today's fast-paced world, accepting payments should be simple. Our merchant services make it easy for you to process transactions seamlessly. Whether you're a small shop or a larger enterprise, our solutions ensure you can focus on what matters most growing your business. Located at 330 W Church St Lexington Tn 38351 in Lexington, TN, we are here to help you navigate the path to success. If you're ready to explore how we can assist you further, give us a call at (731) 968-8746!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATMs are readily available for quick withdrawals and balance checks whenever you need them. Plus, with basic drive-thru banking services, conducting simple transactions like deposits or withdrawals has never been more convenient. At Employee Resources, we strive to offer comprehensive financial services that are both accessible and tailored to meet your needs. If you're ready to take the next step toward achieving your financial goals or simply want more information about what we can do for you, give us a call at (731) 968-8746 or visit us at Lexington Branch today!

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer competitive auto loans and vehicle financing options that make it easier for you to get behind the wheel of your dream vehicle. With flexible terms and favorable interest rates, we ensure that financing your next ride is a smooth process.

Business Banking

For local businesses looking for financial solutions, we offer business banking services including merchant services and business loans. We understand how important it is for businesses to have reliable funding sources and efficient transaction processes. Our dedicated team works closely with local entrepreneurs to find the right solutions that fuel growth.

Credit Cards with Rewards

With our credit cards featuring rewards programs, every purchase can earn you points towards exciting benefits. Enjoy the freedom of using credit while getting rewarded for your spending habits it's like having an extra bonus with every swipe!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing services. Whether you're a first-time buyer or looking to refinance an existing loan for better terms, our experienced staff will guide you through the process. We understand that purchasing a home is one of the biggest decisions you'll ever make, and we're here to make it as straightforward as possible.

Personal Banking

For those seeking reliable banking options, our personal banking services include checking and savings accounts that cater to different lifestyles. Imagine having easy access to your funds and making everyday transactions hassle-free. Our online and mobile banking platforms allow you to manage your accounts from anywhere, anytime. You can check your balance, transfer funds, and even deposit checks without stepping foot inside the branch.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans come in handy. Whether it's for medical bills, home repairs, or consolidating debt, we provide flexible personal loan options tailored to your situation. Our goal is to help you regain control over your finances without added stress.

Digital & Online Banking

Key Features

Our online banking platform, accessible at https://www.ercu.org/, provides a user-friendly experience that makes managing your money simple and straightforward. Whether you need to check your balance, pay bills, or transfer funds, our secure system is ready to assist you 24/7. For those who prefer mobile banking, our dedicated mobile application makes it easy to handle your finances on the go. You can make mobile payments seamlessly and even send money directly to friends and family with our person-to-person transfer feature. Plus, with electronic signatures available, you can complete transactions without needing to visit a branch.

Security & Accessibility

Your security is our priority. We use advanced technology to protect your information while ensuring that accessing your account remains hassle-free. With e-statements available, you can go green while keeping track of your finances from anywhere. Our commitment to providing accessible services means that whether you're at home or out and about, you can manage your accounts in real-time. So, if you're looking for a reliable banking partner that offers modern solutions without sacrificing personal service, look no further than Employee Resources. Experience the ease of digital banking today! Visit us online at https://www.ercu.org/ and take control of your financial journey with confidence.

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. You can trust that your finances are in capable hands, supported by our solid financial foundation. 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. 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 your financial goals with $4,151 in used auto loans and $127,265,828 in total loans and leases. Our performance also reflects operational efficiency with a net income of $133,388, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 53 full-time employees and 2 part-time employees who are always ready to assist you with knowledgeable service. Total Share Accounts stand at 40,784, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $7,721,446, further reinforcing our commitment to your financial well-being. 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 330 W Church St Lexington Tn 38351 or call (731) 968-8746 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, 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 for both new and used vehicles, ensuring you can find a loan that meets your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $940,367 provide the capital needed to grow and expand. We understand the challenges of running a business and offer tailored solutions to help you succeed.

Credit Card Loans

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 rewards and no hidden fees, making it easier for you to use them responsibly while enjoying benefits.

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 offer various mortgage products to suit your needs, whether it's your first home or an investment property.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that could lower your monthly payments or reduce your interest rates. Our team is ready to discuss eligibility and help you explore how refinancing can benefit you. Feel free to reach out to us at (731) 968-8746 for more information or visit us at our branch located at 330 W Church St Lexington Tn 38351 in Lexington, TN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what you're looking for, Employee Resources is here to assist you every step of the way!

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EMPLOYEE RESOURCES CREDIT UNION - Lexington, TN

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