Employee Resources Credit Union

Overview / Commentary
2135 N Locust Ave.
Lawrenceburg, TN 38464

Employee Resources Credit Union is headquartered in LAWRENCEBURG and is the 33rd largest credit union in the state of Tennessee. It is also the 1,510th largest credit union in the nation. It was established in 1964 and as of September of 2023, it had grown to 50 employees and 22,014 members at 4 locations. Employee Resources Credit Union's CD rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Employee Resources Credit Union is open to those who live, work, worship, or attend school in Giles, Henderson, Lawrence, or Wayne counties.
See current membership details

Reviews (1)

Bad Customer Service

They only check their mail once a month, so expect constant late fees. They won't get with the times, so no way to pay online on their website or over the phone.
If you're struggling and get behind, they won't work with you. They just hire a lawyer and threaten to send you to jail.


Health Grade Components

NCUA #67789
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD1.62%
Return on Equity - YTD15.48%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$143.6MM$137.2MM
LoansQ3 2023vs Q3 2022$122.5MM$112.2MM
DepositsQ3 2023vs Q3 2022$127.1MM$123.7MM
Equity CapitalQ3 2023vs Q3 2022$14.8MM$12.7MM
Loan Loss AllowanceQ3 2023vs Q3 2022$753K$511K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$550K$306K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Employee Resources Credit Union Savings Account Rates

1.00%--IRA Saving
0.20%$500-Special Shares
0.15%--Regular Share Account
0.15%--Christmas Club Account

Employee Resources Credit Union CD Rates

5.30%$5k-182 Day CD
5.09%$5k-1 Year CD
3.29%$5k-2 Year CD
3.29%$5k-18 Month CD

Employee Resources Credit Union IRA Rates

5.30%$5k-182 Day IRA
5.09%$5k-1 Year IRA
3.29%$5k-18 Month IRA
3.29%$5k-2 Year IRA

Employee Resources Credit Union Locations
Branch Office1700 W College StPulaski, TN 38478-5213
Branch Office321 Dexter L Woods Memorial Blvd Ste AWAYNESBORO, TN 38485-2418
Branch Office330 W Church StLexington, TN 38351-2018
Branch Office105 N Oak StAdamsville, TN 38310-1931

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