Credit union · NCUA insured
Employee Resources Credit Union Credit Card Rates
Top CarrotEmployee Resources Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Employee Resources Credit Union’s credit card rates compare
Compared with banks and credit unions near Lawrenceburg, TN, where Employee Resources Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Employee Resources Credit Union
10.99%APR
- Annual fee
- None
- Up to
- 17.95% APR
VISA Credit Cards
2nd-lowest rate
Truist Bank
13.99%APR
- Annual fee
- $450
- Up to
- —
Employee Resources Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Credit Cards
Credit card limits range from $500-$15,000. Special rates are available for active military personnel.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99%–17.95% | None | Interest rates range from 10.99%-17.95%. No annual fees. Special rates are available for active military personnel. |
| Intro, 6 months | 4.99% | None | Balance transfer rate is 4.99% for the first six billing cycles. No balance transfer fees. No annual fees. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.