Credit union · NCUA insured
Employee Resources Credit Union Savings Rates
Top CarrotEmployee Resources Credit Union’s best savings rate is 0.20% APY on $10,000, with its Special Savings (90 Day Investment) Account. Rates checked October 15, 2026.
How Employee Resources Credit Union’s savings rates compare
Compared with banks and credit unions near Lawrenceburg, TN, where Employee Resources Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Employee Resources Credit Union
0.20%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $20
Special Savings (90 Day Investment) Account
Top rate
Peoples Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
First Farmers & Merchants Bank
2.78%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $278
Employee Resources Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Employee Resources Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Savings (90 Day Investment) Account
0.20%APY
Minimum deposit of $500 required to open. Deposits must be made in increments of $500. Withdrawals allowed during the quarter with no penalty if a minimum balance of $500 remains. Account closures during the quarter are subject to early withdrawal penalties. Rates subject to change at beginning of each quarter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.20% | $20 |
Sources (3)
All captured Sep 18, 2026
Regular Savings Account
0.15%APY
Required deposit of $5 into regular savings establishes credit union membership/ownership. Dividends paid quarterly and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Special-purpose accounts
IRA Accounts
1.00%APY
Offers Traditional and Roth IRA account options. Dividends paid quarterly. Rate is fixed for the quarter and can only change at the beginning of each quarter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Christmas Club Account
0.15%APY
Account balances are disbursed on November 1 of each year by transfer into savings or checking account with ERCU. One early withdrawal per year permitted for a $10 fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
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.