Employee Resources Credit Union Pulaski TN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Employee Resources, your trusted financial partner located at 1700 W College St, Pulaski, TN 38478. Since our establishment in 1964, we have proudly served over 22,908 members with a commitment to providing reliable and personalized financial services. Our credit union stands strong with total assets of $165,295,360 and total deposits reaching $16,247,618. At Employee Resources, we believe in the power of community. With 55 dedicated employees, including our CEO Konda Bowling and Board President Danny Lucy, we strive to create a welcoming environment where every member feels valued. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we're here to help you achieve your financial goals. If you need to reach us for any inquiries or assistance, please don't hesitate to call us at 931-363-9920. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 363, Pulaski, TN 38478. Explore our website at ercu.org for more information on how we can assist you today! Your journey towards better financial health starts here at Employee Resources.

Branch History & Mission

Community Engagement

As a community-focused credit union headquartered in Lawrenceburg, TN, we actively engage in outreach efforts that benefit local organizations and initiatives. We partner with schools and non-profits to provide financial education workshops and support various community events throughout the year. By working together with our members and local partners, we aim to create a positive impact in Pulaski. In recent years, we've embraced digital advancements to enhance our service offerings. With features like online banking, mobile payments, and e-statements available to all members, managing finances has never been easier or more efficient. Join us at Employee Resources today! Experience the benefits of being part of a credit union that truly cares about its members and the community. Visit us at 1700 W College St or call us at 931-363-9920 to learn more about how we can assist you on your financial journey.

Our Mission

At Employee Resources, our mission goes beyond just providing financial services; we strive to empower individuals and strengthen communities. We believe in building lasting relationships with our members by offering a range of products and services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our focus is on making banking simple and accessible for everyone. We understand that each member has unique financial goals. That's why we are committed to offering personalized guidance and support every step of the way. Whether you're looking to purchase a new vehicle or save for your future, our knowledgeable staff is here to help you navigate your options.

Branch Location & Accessibility

Accessibility and Features

At Employee Resources, we prioritize accessibility for all our members. Our branch features ADA-compliant ramps and ample parking to ensure that everyone can visit us comfortably. If you're on the go, we also offer a drive-thru service for quick transactions like deposits and withdrawals without leaving your vehicle.

Operating Hours

We understand that life can get busy, which is why our doors are open Monday through Friday from 8:00 AM to 4:30 PM. We invite you to stop in during these hours or give us a call at 931-363-9920 if you have any questions or need assistance.

Services Offered

From personal banking services like checking and savings accounts to auto loans and credit cards with rewards, we've got everything you need to manage your finances effectively. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it. While members can visit us at 1700 W College St, official correspondence should be sent to PO Box 363, Pulaski, TN 38478. We're excited to serve you and help you achieve your financial goals! Feel free to stop by or reach out today; we look forward to welcoming you into our community!

Member Eligibility

Becoming a member of Employee Resources is like joining a caring community that's here to support you every step of the way. If you live, work, or go to school in the area, you're likely eligible! We welcome individuals from various backgrounds, making it easy for anyone to join our family. Whether you're looking for a checking account, a loan, or just friendly advice, we've got your back with personalized services designed just for you. To find out more about our eligibility criteria, feel free to check out this link: https://www.ercu.org/about-us-membership/. Once you're ready to take the plunge into membership, opening an account is a breeze! Simply visit us at https://my.homecu.net/banking/hculogin.prg?cu=ercu or give us a call at (931) 363-9920 if you have any questions. We're excited to help you start your journey with Employee Resources, located right at 1700 W College St Pulaski Tn 38478.

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer robust merchant services that simplify your payment processes. Imagine having the ability to accept payments seamlessly from your customers whether they prefer credit cards, mobile payments, or online transactions. This not only enhances customer satisfaction but also streamlines your operations. Located at 1700 W College St Pulaski Tn 38478, Pulaski, TN, we're here to support your business every step of the way. For more information about how our services can benefit you, give us a call at (931) 363-9920 or visit us online at https://www.ercu.org/. Let's work together towards your business success!

Supporting Your 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.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we provide comprehensive business banking services, including merchant services and business loans tailored to help your business thrive. We understand that running a business comes with its own set of challenges, so we're here to support you every step of the way.

Credit Options

Our credit cards come with rewards that fit your lifestyle. Whether you're traveling or shopping locally, you can earn points on purchases made with our credit cards.

Digital Banking Convenience

In today's fast-paced world, managing finances on-the-go is crucial. That's why we offer robust online and mobile banking features that allow you to access your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and even make person-to-person payments with ease. Our ATMs are conveniently located for cash withdrawal services, while our drive-thru banking allows you to conduct simple transactions without leaving your vehicle.

Get Started Today!

At Employee Resources, we are committed to being more than just a financial institution; we are a partner in your financial journey. If you're ready to explore any of these services further or have questions about how we can assist you, please don't hesitate to reach out! You can contact us at (931) 363-9920, or visit us at 1700 W College St Pulaski Tn 38478 during lobby hours from 8:00 AM to 4:30 PM on weekdays. Join us today and discover how we can help you achieve your financial goals!

Personal Banking Solutions

We offer a variety of personal banking options to help you manage your money effectively. Our checking and savings accounts are designed with your daily needs in mind, allowing easy access to your funds. Whether you're looking to save for a special occasion or need a reliable account for everyday transactions, we've got you covered. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help make that dream a reality. With competitive rates and flexible terms, getting behind the wheel has never been easier. For those looking to invest in their future home, our mortgage loans and refinancing services provide great solutions for both first-time buyers and seasoned homeowners alike. We guide you through the process, ensuring you find the right mortgage for your situation. Additionally, if you're facing unexpected expenses or planning a big purchase, our personal loans and debt consolidation services can offer the financial relief you need.

Digital & Online Banking

Key Features

We also provide e-statements, so you can go paperless while keeping track of your financial activity. This option not only helps the environment but also makes it easier for you to access important documents whenever you need them. Plus, if you're looking for convenience in payments, our mobile payments feature lets you pay for purchases quickly using your smartphone. For those who prefer managing their finances on the go, our mobile application is readily available. It offers all the essential functions of online banking right at your fingertips. From checking balances to transferring money between accounts or even making person-to-person transfers, everything can be done seamlessly from the palm of your hand. Security is a top priority for us. With our electronic signature authorization, signing documents digitally is not only safe but also simplifies processes like loan applications. You can have peace of mind knowing that your transactions are protected. So whether you're at home or out and about, Employee Resources makes it easy to keep track of your finances with confidence. Explore all these services today and take advantage of the convenience they offer!

Financial Strength

Committed Team

We also take pride in having 53 full-time employees and 2 part-time employees at Employee Resources, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Earnings That Benefit You

Our $6,229,914 in undivided earnings allow us to reinvest in innovative banking tools and stronger lending options while enhancing security measures to better serve you. Furthermore, our $133,388 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Growing Membership Base

Our growing member base is reflected in the 40,784 total share accounts, showing that more people trust us with their finances each day. This growth reinforces our commitment to serving our community with integrity. 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 1700 W College St Pulaski Tn 38478 or call (931) 363-9920 to learn more about how we can help you achieve your financial goals.

Lending Support

At Employee Resources, we believe in empowering our members financially. With $4,151 in used auto loans and $127,265,828 in total loans and leases, our lending capacity supports various financial goals across different sectors. Whether you're looking to finance a vehicle or consolidate debt, we have options tailored for you.

Member-Centric Savings

We prioritize your savings. Members' funds are secured through $56,305,380 in share certificates, providing stable and rewarding growth opportunities. This focus helps ensure that your hard-earned money works for you.

Strong Financial Position

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.

Loan Offering

Additional Options

If you're considering refinancing options, we can help determine eligibility that best suits your financial situation. Our loan experts are available to discuss various products tailored just for you. At Employee Resources, we prioritize transparency and accessibility when it comes to lending. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and discover how we can assist you in reaching your financial aspirations!

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 flexible terms and competitive rates, making it easier for you to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $940,367 provide the capital needed to grow and expand your business. We understand the unique challenges faced by entrepreneurs and are committed to supporting local businesses through tailored financing solutions.

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. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is ready to assist you every step of the way.

Unsecured 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. This option can provide you with the financial flexibility needed for everyday purchases or unexpected expenses without tying up collateral.

Loan Aggregator

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EMPLOYEE RESOURCES CREDIT UNION - Pulaski, TN

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