Credit union · NCUA insured
Employee Resources Credit Union Auto Loan Rates
Top CarrotEmployee Resources Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 15, 2026.
How Employee Resources Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lawrenceburg, TN, where Employee Resources Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Employee Resources Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
Auto Loan
2nd-lowest rate
Old National Bank
6.01%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Employee Resources Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Employee Resources Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Beginning on March 23rd. Lock in rates as low as 3.99% when purchasing or refinancing 2020 model vehicles and newer. Rates and terms subject to credit approval and model year of the vehicle. Promotion is not available for vehicles currently financed with ERCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | Applies to 2024-2026 model vehicles. Terms up to 84 months. Subject to credit approval and model year. |
| up to 72 months | 3.99% | Applies to 2020-2023 model vehicles. Terms up to 72 months. Subject to credit approval and model year. |
Sources (1)
- ercu.org/auto-loan-promotion-rates-as-low-as-2-5 · captured Oct 15, 2026
Who can join Employee Resources Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.