At a glance
From its website, read 2 Nov 2026Employee Resources Credit Union is a credit union based in Lawrenceburg, Tennessee. Its website describes auto loans, home mortgages and small-business loans.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.ercu.org |
|---|---|
| Office (official list) | PO BOX 987, Lawrenceburg, TN 38464 |
What their website says about applying
Call your local branch and ask to speak with a loan officer today.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 5.00% – 17.25% | source |
| Home mortgages | Rate stated, not as an APR: see their wording | Fixed Rate – 10 years 5.50% – 8.50% Fixed Rate – 15 years 5.75% – 9.25% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 9.25% – 17.95% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
We finance the purchase of used autos or refinance an existing auto loan up to 100% of the purchase price or NADA retail value for members who qualify.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Nov 2020 |
| RSSD ID | 461991 |
| Address | PO BOX 987, Lawrenceburg, TN 38464 Directions to the main office (Google Maps) |
| Website | www.ercu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Service area, borrower eligibility and online application details were not stated on the fetched pages. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | We loan up to 100% of purchase price with financing up to 84 months depending on loan amounts and year of the vehicle. | source |
| Home mortgages | up to $350,000 | First Mortgage (maximum $350,000) | source |
| Small-business loans | — | Loans for business account holders include real estate, new and used auto, equipment, and credit cards. | source |
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2 million in 2 awards from the U.S. Treasury's CDFI Fund, 2021–2022 (CDFI Rapid Response Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | Small Dollar Loan Program | $143,306 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as EMPLOYEE RESOURCES (charter 67789). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $185.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 25,183 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Tennessee (5 offices)
- Giles County (1): 1700 W College St, Pulaski 38478
- Henderson County (1): 330 W Church St, Lexington 38351
- Lawrence County (1): 2135 N Locust Ave, Lawrenceburg 38464 (main office)
- McNairy County (1): 507 E Main St Ste C, Adamsville 38310
- Wayne County (1): 321 Dexter L Woods Memorial Blvd Ste A, Waynesboro 38485
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Employee Resources Credit Union (NCUA charter 67789, filed as “EMPLOYEE RESOURCES”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $148.7 million, 11,527 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 10.7% from $134.3 million on 30 Jun 2025 |
| Members | 25,183 (as of 30 Jun 2026); 23,881 (as of 30 Jun 2025) |
| Loans per member | $5,905 (total loans divided by members, 30 Jun 2026) |
| Total assets | $185.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $20.9 million | 14.0% |
| Used vehicle loans | $74.8 million | 50.3% |
| First-lien home mortgages (1-4 family) | $33.4 million | 22.5% |
| Other real estate loans (junior liens, other) | $52,774 | <0.1% |
| Commercial (business) loans | $650,123 | 0.4% |
| Credit cards | $6.5 million | 4.4% |
| Other unsecured loans | $6 million | 4.0% |
| Leases and other secured loans | $6.5 million | 4.3% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $185.5 million | Larger than 64% of the 11 other certified credit unions in Tennessee (median $141.8 million). |
| Loans as a share of assets | 80% | Median of the same 11 credit unions: 75%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $134.3 million → $148.7 million (+11%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 6 → 6. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 64% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 6 → 6 of 12 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Lawrenceburg and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Employee Resources Credit Union? Link to this page
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