Employee Resources Credit Union Waynesboro TN | Affordable Auto Loans & ATM Services

Introduction

Welcome to the Employee Resources branch of your trusted credit union, conveniently located at 321 Dexter L Woods Memorial Blvd Ste A, Waynesboro, TN 38485. Since our establishment in 1964, we have been dedicated to serving our community with integrity and commitment. With a robust membership of over 22,908 members, we pride ourselves on being more than just a financial institution; we are a community partner that prioritizes your needs. At Employee Resources, our total assets stand strong at $165,295,360, reflecting our sound management and dedication to providing quality services. We have facilitated 11,491 loans and leases, helping our members achieve their dreams whether that's buying a car or securing a home. Our focus is not only on growth but also on ensuring that each member feels valued and supported. For your convenience, while you can visit us at our branch address for all your banking needs, any official correspondence should be sent to our mailing address: PO BOX 1283, WAYNESBORO, TN 38485. Our team of 55 employees, led by CEO Konda Bowling and Board President Danny Lucy, is here to provide personalized service tailored to your financial journey. From personal banking options like checking and savings accounts to business loans and online banking facilities, we offer a comprehensive suite of services designed with you in mind. If you have questions or need assistance, feel free to reach out at 931-722-9110 or visit us online at ercu.org. We invite you to experience the difference at Employee Resources where your financial well-being is our priority!

Branch History & Mission

Join Us Today

As we continue this journey together, we invite you to become part of the Employee Resources family. Experience firsthand how we're more than just a credit union; we're your partner in achieving financial success. Visit us during our operating hours from 8:00 AM - 4:30 PM or give us a call at (931) 722-9110 for any inquiries you may have. Together, let's build a brighter future!

Our Evolution

Since our inception, we have focused on empowering our members through sound financial practices and innovative solutions. With total assets reaching an impressive $165,295,360, we have consistently adapted to meet the needs of our growing membership base. From personal banking options like checking and savings accounts to auto loans and mortgages, we've expanded our offerings to help individuals and families achieve their financial goals. In addition to our traditional banking services, we've embraced digital advancements to enhance member experiences. Our online banking platform allows easy access to accounts from anywhere while mobile payments simplify transactions on the go. We also provide ATM access and drive-thru banking for added convenience.

Our Mission

Our mission at Employee Resources is clear: we strive to enrich the lives of our members and support our community. We are committed to delivering quality financial products while ensuring that every member feels valued and heard. Our team works tirelessly to create an inclusive environment where everyone can thrive. Our dedication extends beyond banking; we actively participate in local outreach initiatives and form partnerships with various organizations to uplift those around us. By reinvesting in the community, we aim to make a lasting impact on the lives of residents in Waynesboro and beyond. While members can visit us at 321 Dexter L Woods Memorial Blvd Ste A Waynesboro Tn 38485, official correspondence should be sent to PO BOX 1283, WAYNESBORO, TN 38485 if needed.

Branch Location & Accessibility

Accessibility and Convenience

At Employee Resources, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can enjoy easy access. For those driving in, ample parking is available right outside, so you won't have to worry about finding a spot. If you prefer quick service, take advantage of our drive-thru banking option for deposits and withdrawals without leaving your vehicle.

Get in Touch

Have questions or need assistance? Don't hesitate to reach out! You can contact us at (931) 722-9110. We look forward to welcoming you at Employee Resources Waynesboro Branch Office where your financial journey begins!

Operating Hours

We're here to help during the week! Our lobby hours are from 8:00 AM to 4:30 PM, Monday through Friday. Feel free to stop by during these hours for personal assistance with any of your banking needs.

Services Offered

Our branch offers a range of services tailored to fit your financial goals. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions that cater to both personal and business banking needs. Need cash? We've got an ATM on-site for your convenience, allowing you to withdraw money anytime. While members can visit us at 321 Dexter L Woods Memorial Blvd Ste A for all their banking needs, please send official correspondence to our mailing address: PO BOX 1283, WAYNESBORO, TN 38485 if it's different from the branch location.

Member Eligibility

At Employee Resources, we believe in the power of community and are excited to welcome you as a member! Joining us is straightforward and open to those who share our values. If you live, work, worship, or attend school in the Wayne County area, or if you're an immediate family member of an existing member, you can become part of our friendly family. Membership brings a wealth of benefits, from personalized financial services to community support that goes beyond banking. For more detailed information about eligibility requirements, feel free to check out our website at https://www.ercu.org/about-us-membership/ . Opening your account is just as easy! Simply visit us at 321 Dexter L Woods Memorial Blvd Ste A Waynesboro Tn 38485, give us a call at (931) 722-9110, or explore the online application process available through this link: https://my.homecu.net/banking/hculogin.prg?cu=ercu . We're here to help you every step of the way as you take this important step towards better financial health with Employee Resources.

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced market, having reliable merchant services can make all the difference. Imagine being able to accept payments easily while managing your cash flow more effectively. Our merchant services offer you the tools you need to streamline transactions and focus on what matters most growing your business. Visit us at 321 Dexter L Woods Memorial Blvd Ste A Waynesboro Tn 38485 in Waynesboro, TN, or call us at (931) 722-9110 to explore how our business banking solutions can help elevate your business today!

Tailored 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.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? We provide easy access through our ATM services for withdrawals and balance checks right at your fingertips. Additionally, our basic drive-thru banking allows you to handle deposits and simple transactions without leaving your vehicle. We know that every member's needs are different, which is why our services are designed with flexibility in mind. If you have any questions or want to learn more about how we can assist you, don't hesitate to reach out! Call us at (931) 722-9110 or visit us at our branch in Waynesboro. We look forward to serving you at Waynesboro Branch Office!

Business Banking

For business owners, we offer comprehensive business banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to help you navigate the financial landscape with confidence.

Credit Cards and Loans

At Employee Resources, we also understand that life can come with unexpected expenses. Our personal loans and debt consolidation options provide a safety net when you need it most. Plus, our credit cards come with rewards that let you earn points on your everyday purchases perfect for those who love to shop or travel.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we proudly offer online and mobile banking features that allow you to manage your finances anytime, anywhere. With tools like mobile payments and person-to-person transfers, handling your money has never been easier.

Personal Banking

Our personal banking services are tailored to support your daily financial activities. With checking and savings accounts, you can manage your money easily while earning competitive interest rates. Need a new car? Our auto loans and vehicle financing options make it simple to drive off in your dream vehicle without breaking the bank. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans offer flexible terms to fit your situation.

Digital & Online Banking

At Employee Resources, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a comprehensive suite of digital and online banking services designed to make managing your finances easier than ever. With our user-friendly platform, you can access your accounts anytime, anywhere. One of the standout features is our robust online banking system, available 24/7 at https://www.ercu.org/ . This service allows you to check balances, transfer funds, and pay bills right from the comfort of your home or on the go. You can also enroll in e-statements, which not only helps you stay organized but also reduces paper waste another win for the environment! Need to send money to a friend or family member quickly? Our person-to-person transfer feature makes it easy to send funds instantly. Plus, with mobile payments enabled, you can shop or pay bills using your smartphone without a hitch. For those who prefer using apps, our mobile application is available for download, providing all the functionalities you need right at your fingertips. Whether you're depositing checks through electronic signature authorization or simply checking your account balance, everything is just a tap away. We prioritize your security as much as your convenience. Rest assured that your information is protected with advanced security measures while you enjoy real-time account management. In summary, Employee Resources offers a complete range of digital banking solutions tailored for your needs. Experience banking like never before! For more information and to get started today, visit us at https://www.ercu.org/ .

Financial Strength

Commitment to Innovation

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 a total of $127,265,828 in loans and leases across various sectors.

Growing Trust

We are honored to have 40,784 accounts from members who trust us with their finances. Our net shares available for lending stand at $7,721,446, showcasing our ability to meet your needs as they arise. In conclusion, 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 321 Dexter L Woods Memorial Blvd Ste A Waynesboro Tn 38485 or call (931) 722-9110 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.*

Member-Focused Savings

Members' savings are secured through $56,305,380 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on serving you first, we also have $0 in non-member deposits. This approach allows us to ensure our resources are directed toward benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $256,306 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We're also proud of our dedicated team 53 full-time employees and 2 part-time employees work tirelessly to ensure that you receive knowledgeable support whenever you need it.

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 $960 further illustrates our solid capital foundation. This ratio ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Services

For those looking for business solutions, our outstanding commercial loans totaling $940,367 provide the capital needed to grow and expand your business. We are dedicated to supporting local entrepreneurs and businesses in our community. If you're considering refinancing any existing loans or exploring eligibility options for our products, our knowledgeable staff is ready to assist you. You can reach us at (931) 722-9110 or visit us at our branch located at 321 Dexter L Woods Memorial Blvd Ste A Waynesboro Tn 38485 in Waynesboro, TN. At Employee Resources, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial journey, so don't hesitate to reach out!

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. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that can fit your budget.

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 believe that homeownership should be accessible for everyone, and our team is here to guide you through every step of the process.

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. Our credit card options come with rewards that can benefit your everyday spending while providing you with the purchasing power you need.

Loan Aggregator

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EMPLOYEE RESOURCES CREDIT UNION