Employee Resources Credit Union
Headquarters
P O Box 987
Lawrenceburg, TN 38464
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2024 Overview
General Credit Union Information
Employee Resources is an NCUA insured institution located in Lawrenceburg, TN. It was founded in 1964 and has approximately $160.04 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67789 |
| Date Established | 1964 |
| Assets | $160.04 million |
| Loans | $124.51 million |
| Deposits | $143.39 million |
| Capital | $15.61 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 - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.30% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
1.76% | $1 | $499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: 1907 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Employee Resources
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Branches
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:
Columbus,Ohio
Employee Resources Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 392.92 | A | View Lobby Hours | |
| 407.63 | B | View Lobby Hours | |
| 412.98 | C | View Lobby Hours | |
| 433.85 | D | View Lobby Hours |
Climate Policy and Initiatives
EMPLOYEE RESOURCES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 11.12% | 5.83 |
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 June 30, 2024, Employee Resources had $1,715,884 in non-current loans and $78,152 in owned assets. To cover these potential losses it had $15,613,860 in net worth and $519,243 in loans loss reserves. That gives it a Texas Ratio of 11.12%.
Net Worth
| Employee Resources | U.S. Average |
|---|---|
| 9.76% | 13.93% |
Employee Resources FCU has a net worth of 9.76% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Employee Resources
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