EPB Employees Credit Union Chattanooga TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Epb Employees, your trusted financial partner located at 10 Martin Luther King Blvd Fl Second, Chattanooga, TN 37402. Since our establishment in 1954, we have proudly served the community with a commitment to helping our members achieve their financial goals. With a total membership of over 2,500 individuals, we understand the importance of building strong relationships and providing exceptional service. At Epb Employees, we believe in making finance accessible and straightforward. Our total assets stand at an impressive $40,581,884, reflecting our dedication to maintaining a secure and reliable banking environment for all our members. Whether you're looking for auto loans, personal banking options, or business services, we offer a range of solutions tailored to meet your needs. While you can visit us at our branch location for personalized service, please note that any official correspondence should be directed to 1500 McCallie Avenue, Chattanooga, TN 37404-2937. We invite you to explore our offerings further by visiting our website at epbecu.org. Under the leadership of our CEO, Jerry Trotter, and Board President Dale McLeod, we strive to foster a welcoming atmosphere where every member feels valued. With a dedicated team of 6 employees, we're here to provide expert guidance and support on your financial journey. Join us today and discover how Epb Employees can help you reach your financial aspirations. Feel free to give us a call at 423-648-1415 or stop by during our lobby hours on Monday and Friday from 9:30 AM to 12:30 PM and 1:30 PM to 3:30 PM. We look forward to serving you!

Branch History & Mission

Welcome to Epb Employees, a cornerstone of financial support in Chattanooga, TN. Established in 1954, our branch has grown and evolved alongside our community, nurturing relationships and providing essential banking services for nearly seven decades. Located at 10 Martin Luther King Blvd Fl Second, we are proud to serve as a reliable resource for 2,503 members and counting. From our humble beginnings, Epb Employees has blossomed into a trusted institution with total assets reaching an impressive $40,581,884. Our mission is simple yet powerful: to empower our members by offering accessible financial solutions while fostering a sense of community. We believe that when our members thrive, so does the entire community. Our commitment extends beyond traditional banking. We prioritize making financial services user-friendly and inclusive for everyone. With advancements such as online banking, mobile payments, and e-statements, we ensure that managing your finances is convenient and straightforward. While we do not offer drive-thru service, our branch remains fully accessible to all members. At Epb Employees, we understand the importance of community connection. Our partnerships with local organizations allow us to contribute positively through outreach efforts that support various initiatives within Chattanooga. We are dedicated to helping not just our members but also those in need around us. While you can visit us at 10 Martin Luther King Blvd Fl Second, official correspondence should be sent to 1500 McCallie Avenue, Chattanooga, TN 37404-2937 if necessary. Our operating hours are designed for your convenience: Mondays and Fridays from 9:30 AM to 12:30 PM and again from 1:30 PM to 3:30 PM. We invite you to join our family at Epb Employees. Experience the benefits of being part of a credit union that genuinely cares about your financial well-being and the growth of our community. For more information or assistance, don't hesitate to call us at 423-648-1415 or visit our website at epbecu.org. Let's build a brighter future together!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important. Our branch is ADA compliant and equipped with ramps to ensure everyone can easily navigate our space. There's ample parking available nearby, making your visit hassle-free.

Get in Touch

Have questions or need assistance? Feel free to give us a call at 423-648-1415. Our friendly team is always here to help! We look forward to welcoming you at our Downtown Branch soon!

Operating Hours

Our lobby hours are designed to fit your busy schedule. You can visit us on Mondays and Fridays from 9:30 AM to 12:30 PM and then again from 1:30 PM to 3:30 PM. We invite you to come by during these times when our staff is ready to help with everything from checking and savings accounts to mortgage loans.

Services Offered

At Epb Employees, we pride ourselves on offering a range of services tailored to meet your needs. From personal banking options like checking accounts and credit cards with rewards, to vehicle financing and personal loans, we've got you covered. Need cash? We have an ATM available for your convenience as well.

Member Eligibility

Joining the community at Epb Employees means you're stepping into a supportive family that's dedicated to your financial well-being. If you're looking to become a member, you'll be pleased to know that eligibility is open to individuals who work for or are retired from EPB, as well as their immediate family members. This inclusive approach ensures that more people can benefit from our personalized services and member-focused advantages. For those interested in the nitty-gritty details about eligibility criteria, you can find more information at http://www.epbecu.org/membership.html . Starting your membership journey with us is straightforward and welcoming! You can easily open an account online by visiting https://apply.7mortgage.coop/epb . Should you have any questions or need assistance along the way, don't hesitate to reach out; we're just a call away at (423) 648-1415. The team at Epb Employees, located at 10 Martin Luther King Blvd Fl Second Chattanooga Tn 37402, is excited to help you take this important step towards better financial opportunities!

Business Banking & Commercial Services

Driving Economic Growth

With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Chattanooga, TN. Partner with us at Epb Employees today and take the next step toward achieving your business goals! For more information, visit us at 10 Martin Luther King Blvd Fl Second Chattanooga Tn 37402 or call us at (423) 648-1415.

Our Commitment to Local Businesses

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that cater to various needs.

Real-World Merchant Services

With our merchant services, you'll find it easier than ever to accept payments from customers. Whether you're a local café or a growing retail store, having reliable payment processing means more sales and happier customers. Our tools are designed to simplify transactions, allowing you to focus on what you do best running your business.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With ATM access, withdrawing cash is quick and hassle-free. Our ATMs allow for balance checks and withdrawals anytime you need cash on hand. At Epb Employees, we pride ourselves on being more than just a credit union; we're a community partner committed to helping our members thrive financially. If you're ready to explore how our services can benefit you or if you have any questions about what we offer, don't hesitate to reach out! Give us a call at (423) 648-1415 or visit us online at https://www.epbecu.org/ today!

Auto Loans and Vehicle Financing

If you're considering purchasing a new vehicle, our auto loans and vehicle financing options make it easy for you. We offer competitive rates that help you get behind the wheel without breaking the bank. Picture driving away in your dream car while knowing you've secured a great deal tailored just for you.

Business Banking Services

For entrepreneurs and business owners, our business banking services include merchant services and business loans tailored to meet your unique needs. We understand the challenges of running a business, so we strive to provide resources that help you thrive.

Credit Cards with Rewards

Our credit cards with rewards are perfect for those who want to earn while they spend. Imagine earning points on everyday purchases that can be redeemed for travel, merchandise, or cash back! It's a smart way to maximize your spending power.

Mortgage Loans and Refinancing

Homeownership can be within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage, our team will guide you through the process. We understand how important this investment is, and we are here to support you every step of the way, ensuring you find a solution that fits your budget.

Online & Mobile Banking Convenience

In today's fast-paced world, convenience matters. That's why online and mobile banking features are essential parts of our service suite. You can easily manage your accounts, pay bills, transfer funds, and even make deposits right from your smartphone or computer whenever and wherever suits you best.

Personal Banking Solutions

For individuals looking to manage their day-to-day finances, we provide a variety of personal banking options. Whether you're opening a checking or savings account, we ensure that managing your money is straightforward and accessible. Imagine having the ability to set up automatic transfers or enjoy online access to your accounts whenever you need it! Our members appreciate the flexibility and convenience that come with our personal banking services.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses at us, which is why having access to personal loans and debt consolidation can be crucial. Whether it's for home repairs, medical bills, or consolidating debt into one manageable payment, we're here to help lighten your financial load.

Digital & Online Banking

Key Features

Our online banking experience includes e-statements that allow you to easily track your transactions without the clutter of paper statements. Plus, if you're on the go, you'll appreciate our mobile application. With it, managing your finances is as easy as a tap on your smartphone screen. You can also make mobile payments seamlessly and quickly perfect for those times when you need to pay a friend or vendor instantly. If you ever need to send money to someone directly, our person-to-person transfer feature has got you covered. It's fast and simple to use, allowing you to send money without any hassle.

Security and Accessibility

Security is our top priority. You can trust that your information is safe with us. While we currently do not support electronic signature authorization, rest assured that all other aspects of our online services are designed with robust security measures. We aim to make banking accessible for everyone. Whether you're tech-savvy or just getting started with online banking, our intuitive design ensures that you'll find it easy to navigate through every feature we offer. At Epb Employees, we're committed to empowering our members by providing tools that simplify financial management while keeping your information secure. Experience the ease of digital banking today!

Financial Strength

Commitment to Growth

With $2,371,909 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 with $290 in used auto loans and a total of $17,352,881 in loans and leases.

Growing Trust

With total share accounts reaching 4,573, more members are placing their trust in us every day. This growing member base is a testament to the reliability and strength of Epb Employees, making us your trusted partner for all your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Epb Employees is here for you. Visit us at 10 Martin Luther King Blvd Fl Second Chattanooga Tn 37402 or call (423) 648-1415 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-Centric Savings Solutions

Members' savings are secured through $7,107,616 in share certificates and $1,395,403 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,306,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $-64,829, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 0 part-time employees who are dedicated to providing excellent service.

Solid Financial Foundation

With a net worth of $4,110,456, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,011 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,624,100 in used vehicle loans and $2,951,255 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to fit your budget and lifestyle.

Credit Lines

If you're looking for additional financial support, our credit lines totaling $2,700,000 can help you manage unexpected expenses or fund projects without hassle. Our team is here to assist you in finding the right solution for your needs. At Epb Employees, we pride ourselves on our commitment to our members. Our loan products come with options for refinancing and eligibility checks to ensure you receive the best possible service. 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 how our loan offerings can help you meet your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,420,758, make buying or refinancing simple. We guide you through the process and offer competitive rates tailored to your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $156,384 in loans helping members manage their finances effectively. These credit cards come with benefits that can suit various spending habits while providing the flexibility you need.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help you navigate the lending landscape with ease. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that the information reflects the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers for all users. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, which promotes transparency in the lending process. Moreover, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This means users receive purely unbiased results, helping them make informed decisions without any hidden agendas. Additionally, LendMesh provides real-time rate comparisons from multiple institutions. This feature allows users to quickly assess their options and choose the best loan that meets their needs. 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!" Compare 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.*

EPB EMPLOYEES CREDIT UNION - Chattanooga, TN