What's New



Holiday Skip Pay is now available.

Sometimes a little extra cash can go a long way... especially during the holiday shopping season. For a $45 per loan fee, due at the time of request, you may skip your regular monthly payment for either November, December, or January. Your loans must be current and your checking account in good standing. Real Estate loans are excluded. A signed request form is required - no phone requests will be honored. The deadline to submit requests for skip pays in November is November 27th, for December is December 27th, and January 26th for January. No late requests will be accepted. Check with your local branch today to complete a request form and have the extra cash you need to have a Happy Holiday Season.



We now have the EMV Chip Cards and Instant Issue Capability.

Want to be better protected from Fraud? Come into your local branch and have them instantly print you a new EMV chip card.


We now have five branches to serve our members

ERCU now has offices located in Lawrenceburg, Pulaski, Waynesboro and Lexington, TN. All branches are open from 8:00 AM to 4:30 PM Monday thru Friday with our Lawrenceburg office Drive-thru open on Saturdays from 8:00 AM - 12: 00PM. We also have a branch on Remke Avenue in Lawrenceburg, TN serving our members by Drive-thru only. Hour of operation for the Remke Branch are Mondays thru Wednesdays  8:00 AM - 4:30 PM and Thursdays and Fridays 9:00 AM - 5:30 PM. For phone numbers and locations please see our "Contact Us" page.


With Audio Banking, we are NEVER closed!

Be sure and check out the Audio Banking banner on our Home page.  You can now call toll free and check your balances, transfer funds, and more!

Mobile Banking puts us in the palm of your hand!

If you have a smart phone and you're already signed up for Home Banking, you can use our convenient Mobile App to do your banking. Just go to your google store or apple store to download our mobile app to your smart phone and you'll be ready to check your accounts from anywhere.


Remote Deposit Capture is available now.

We now have Remote Deposit Capture. Sign up by logging into your mobile banking and requesting the option.



VISA Platinum Credit Cards with ERCU
4.99% on Balance Transfers

Tired of paying high interest rates and fees on your current credit card? Then check with ERCU about our VISA Platinum Credit Card program. Interest rates range from 8.99% to 15.99% with Balance Transfers at 4.99% for the first six billing cycles with NO Balance Transfer Fees!Contact us today for more information.



VISA Gift Cards Now Available
Can't decide what to give as a gift? We have the perfect solution to your problem! You can't go wrong with a VISA Gift Card. It's the perfect gift because it let's the recipient decide what they really want, it's prepaid with the amount your select loaded on the card, and comes with the security and protection features you expect from VISA. They are available in amounts from $10.00 to $500.00. Members pay only $2.00 plus the value loaded on the gift card. It's accepted at millions of places including retail and online merchants as well as mail & phone orders. It's a quick, easy and affordable way to take care of your gift giving needs for all occasions. Cards are available at both the Lawrenceburg and Pulaski branches. Check with us for more information.

Click on the banners to learn more!






Employee Resources CU Members...Get on the Fast Track to Savings!
There's never been a better time for credit union members to Invest in America. That's why credit unions have teamed up with U.S. automakers to offer members great discounts on new American-made vehicles.

All eligible current and new credit union members in participating states have the unique opportunity to get a great discount on a new vehicle from either GM or Chrysler. While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal.

The deal gets even better when you finance your vehicle at with us. Thanks to our lower interest rates, your savings will really add up.

Click on the banners to learn more!




Online Check Copies
Need a copy of a check that has cleared your account? You can now get these copies from our Home Banking page. Simply double click on the check number found on either the history page or the account detail page and you will be able to view or print both front and back of the check. For more information, please contact our office.



ERCU and AIR VAC LIFETEAM
Air Vac Lifeteam
ERCU and AIR EVAC LIFETEAM have joined together to offer our members a new benefit. All members of ERCU will now receive a $10.00 discount off the one year membership fee for AIR EVAC. Applications are available and fees can be paid at both the Lawrenceburg and Pulaski locations. For more information, call (931) 766-9288 in Lawrenceburg or (931) 363-9920 in Pulaski.