P O BOX 987
Lawrenceburg, TN 38464
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.30% 1.20% →
1-Year CD 0.50% 1.10% →
2-Year CD 0.75% 1.15% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Employee Resources is an NCUA insured institution located in Lawrenceburg, TN. It was founded in 1964 and has approximately $103.24 millions in assets.

NCUA Insured Yes
Charter Number # # 67789
Date Established 1964
Assets $103.24 million
Loans $73.85 million
Deposits $95.20 million
Capital $7.92 million

Field of Membership Restrictions

Employees Resources Credit Union of Tennessee is open to the residents, church members, registered students, and people maintaining employment in these eligible counties: Lawrence, Giles, Wayne, and Henderson.

Deposit Rates - August 6, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.30% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
1.76% $1 $499 Learn MoreShow Less

Loan Rates - August 6, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for EMPLOYEE RESOURCES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
NMLS ID: 2890
License#: 13256
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Employee Resources branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Employee Resources Locations

Financial Details

Employee Resources Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Employee Resources. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Employee Resources U.S. Average
23.25% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Employee Resources had $1,785,544 in non-current loans and $225,275 in owned assets. To cover these potential losses it had $7,918,387 in net worth and $731,505 in loans loss reserves. That gives it a Texas Ratio of 23.25%.

Net Worth
Employee Resources U.S. Average
7.66% 13.61%

Employee Resources FCU has a net worth of 7.66% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Employee Resources

Branches and Savings

What is Employee Resources?

A federal credit union, registered with the NCUA under certificate #67789.
Learn more about credit unions here.

Is Employee Resources FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Employee Resources?

Please see Field of Membership information above for information on who is eligible to join.

What are Employee Resources's share account and share certificate rates?

Employee Resources's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Employee Resources?

Employee Resources has total capital of $7.92 million. Full information on Employee Resources's financial position is located above.

Who owns Employee Resources?

Credit Unions are owned by their members.

Where are Employee Resources branches located?

See branch locations nearby.

Are Employee Resources ATMs Open 24/7?

Do Employee Resources ATMs accept cash deposits?

Can Employee Resources customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Employee Resources have a mobile app?

Does Employee Resources have mobile deposit?

Does Employee Resources have quick pay?

How can Employee Resources transfer money to other banks or credit unions?

Does Employee Resources report to credit bureaus?

Does Employee Resources use Chexsystems?

Does Employee Resources use Equifax?

What is Employee Resources's toll free phone number?

What is Employee Resources's ACH Routing Number?

What is Employee Resources's SWIFT code?

Where can I find Employee Resources's wire transfer form?

What is the Employee Resources address for deposits?

What Products Does Employee Resources Offer

Does Employee Resources offer mortgages?

Compare mortgage rates here.

Does Employee Resources offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Employee Resources offer auto and RV loans?

Compare auto loan rates here.

Does Employee Resources offer student loans or personal loans?

Compare personal loan rates here.

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