Credit union · NCUA insured
Employee Resources Credit Union
Top CarrotA $184.8M credit union headquartered in Lawrenceburg, TN, with 24,812 members and 5 branches in Tennessee. Best rates: CDs 4.42% and savings 0.20% APY.
Employee Resources Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#1 of 4 in Lawrenceburg, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Employee Resources Credit Union
Originally chartered in 1964 as Murray Ohio Savings Association Credit Union, Employee Resources Credit Union is headquartered in Lawrenceburg, Tennessee.
The credit union expanded through a 2012 merger with LMPCO Credit Union and operates as a Community Development Financial Institution.
- Headquarters
- 2135 N Locust Ave, Lawrenceburg, TN 38464-4455
- NCUA charter
- 67789
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Lawrence, Giles, Wayne, or Henderson County, TN are eligible for membership.
Employers and groups
- Residents of Adamsville who work for McNairy County School System, City of Adamsville, Flozone Services Inc., or United Industries Inc. are eligible for membership.
Family and household
- Residents of Adamsville who are direct family members of someone who works for McNairy County School System, City of Adamsville, Flozone Services Inc., or United Industries Inc. are eligible for membership.
Cost to join
- Maintaining a $5.00 balance is required to keep membership active.
Branches
5 branches in Tennessee
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Tennessee
5 branches
Lawrenceburg area · 1
- Lawrenceburg Main OfficeMain office2135 N Locust Ave, Lawrenceburg, TN 38464Directions
Adamsville area · 1
- Adamsville Branch507 E Main St Ste C, Adamsville, TN 38310Directions
Lexington area · 1
- Lexington Branch330 W Church St, Lexington, TN 38351Directions
Pulaski area · 1
- Pulaski Branch1700 W College St, Pulaski, TN 38478Directions
Waynesboro area · 1
- Waynesboro Branch Office321 Dexter L Woods Memorial Blvd Ste A, Waynesboro, TN 38485Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.46% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.58% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.55% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio9.46%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.58%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.55%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Employee Resources Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.