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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
EMPLOYEE RESOURCES Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
You can compare EMPLOYEE RESOURCES rates to other rates in our database, including 12-month share certificate rates currently at 2.59%, 6-month share certificate rates at 1.10% and 3-month share certificate rates at 0.20%. Savings rates are at 1.01% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to EMPLOYEE RESOURCES rates. MonitorBankRates evaluates the financial stability of EMPLOYEE RESOURCES with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.75%. Rates were last updated on 03/29/2026. EMPLOYEE RESOURCES money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at EMPLOYEE RESOURCES? Share your experience about EMPLOYEE RESOURCES by leaving a review below, or read customer reviews before you decide to use EMPLOYEE RESOURCES. EMPLOYEE RESOURCES
Lawrenceburg Main Office 2135 N Locust Ave
http://www.ercu.org Lawrenceburg, TN 38464 4455 
EMPLOYEE RESOURCES Mortgage Rates
EMPLOYEE RESOURCES Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for EMPLOYEE RESOURCES is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather EMPLOYEE RESOURCES rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with EMPLOYEE RESOURCES's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
EMPLOYEE RESOURCES
Website
http://www.ercu.org
Address
2135 N Locust Ave,
Lawrenceburg, TN 38464 4455
Phone
931-766-9288
Fax
931-762-0583
President
Vicki Engelhardt
CEO
Konda Bowling
Full-Time Employees
54
Part-Time Employees
3
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.75%
Return on Assets (ROA)
0.3850%
Return on Equity (ROE)
4.1372%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
179,975,933
Total Amount of Shares and Deposits
162,945,180
Total Shares and Deposits < 1 Year
162,712,796
Total Shares and Deposits 1 3 Years
232,384
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,526,358
Total Uninsured Shares and Deposits > $250K (F+J)
11,526,358
Total Insured Shares and Deposits > $250K (item 17 less item K)
151,418,822
Total Interest Expense (Sum of items 6 8)
2,738,546
Share Certificates
1,636
Number of Accounts for Share Drafts
14,206
IRA KEOGH Accounts
803
Number of Accounts for Regular Shares
26,217
All other shares
413
Net Income (unless the amount is already included in Undivided Earnings)
289,927
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,737,669
Total Liabilities
163,233,777
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About EMPLOYEE RESOURCESIs EMPLOYEE RESOURCES a safe place to deposit money?Yes, EMPLOYEE RESOURCES is considered a safe financial institution. With a Texas Ratio of 6.7493564606668%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does EMPLOYEE RESOURCES operate?EMPLOYEE RESOURCES currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join EMPLOYEE RESOURCES?Yes, to access services at EMPLOYEE RESOURCES, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, EMPLOYEE RESOURCES does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, EMPLOYEE RESOURCES provides members with tools to manage their accounts and build a solid financial history. Does EMPLOYEE RESOURCES offer online and mobile banking?Most modern institutions like EMPLOYEE RESOURCES provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.ercu.org. Compare to Other Credit Unions
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