Member Services

Member Accounts

Share Accounts
Minimum balance of $5.00 with no fees. Our rates are subject to change quarterly with dividends paid quarterly. Deposits may be made by direct deposit, payroll deduction, over the counter transactions, wire transfers, or transfers from other ERCU accounts.

90 Day Investment Accounts
Minimum balance of $500.00. Accounts mature quarterly with dividends paid quarterly. Rates are subject to change the beginning of each quarter. Withdrawals may be made during the quarter with no penalty as long as a minimum balance of $500.00 is maintained in the account. Account closures during quarter are subject to early withdrawal penalties. Deposits of $500.00 or more may be made at any time during the quarter.

Share Certificate
Minimum balance requirement of $5,000.00. Certificates are available for 182 days, one year, and two years. Early withdrawal penalties apply to all Share Certificate Accounts.

IRA Accounts
To help our members prepare for retirement we offer both Traditional and ROTH IRA accounts. All IRA funds are paid dividends quarterly. The rate paid on IRA accounts is fixed for the quarter and can only change the beginning of each quarter.

ATM Cards
Withdrawals may be made from checking/share draft accounts only. Unlimited use of our ATM machines in two locations with no fees. Card may be used at any ATM displaying the Cirrus, MoneyBelt, or Interlink symbols.

VISA Debit Cards
Cards may be used anywhere VISA is accepted. It may be used as a debit card or an ATM card. Withdrawals may be made from your checking or savings account. Our members have unlimited use of our ATM machines in two locations with no fees. The Debit Cards are accepted by any merchant displaying the VISA logo and funds may be accessed at any ATM machine displaying the CIRRUS or PULSE logo.

Direct Deposit
Payroll and pension direct deposits may be received by ERCU for deposit into our members' accounts. Your employer must have the payroll capability to send payroll funds electronically Please check with your payroll department or our office staff to see if direct deposit is available for your account. Direct deposits may be distributed to several different accounts with ERCU as authorized by the member.

Payroll Deduction
A specified amount may be deducted from the payroll checks of many of our membership groups for automatic deposit into your account with ERCU. Deductions may be split and deposited into several different accounts as authorized by the member. Please check with our office for the payroll capabilities for your employer.

Withdrawals/Transfers by Phone
It just takes a quick phone call to transfer funds from one ERCU account to another with no fees. Withdrawals may also be made over the phone so your funds, whether cash or a check, will be waiting for you to pick up at your convenience. Proper identification is required.

Christmas Club Accounts
To help you be prepared for the holiday season, we how offer Christmas Club Accounts. Checks are issued on the first working day of November of each year. Deposits may be made by payroll deduction, direct deposit, over the counter transactions or transfers from other ERCU accounts. Deduction amounts may be changed at any time during the year. One additional withdrawal may be made from this account during the year, however a $10.00 fee will charged.




Convenience Services
  • No Monthly Service Charge
  • Credit Disability Insurance
  • Credit Life Insurance
  • Preauthorized Drafts
  • NADA Auto Pricing
  • Free Notary Services
  • Wire Transfers
  • Home Banking
  • GAP Insurance
  • Convenient ATMs - Lawrenceburg Main Office, Lawrenceburg Modine, Pulaski Branch Office, Pulaski Timken, Waynesboro Branch Office
  • Three Lane Drive-Thru in Lawrenceburg
  • Two Lane Drive-Thru in Pulaski
  • Night Deposit at both locations
  • AIR EVAC membership discount
  • Visa Prepaid Gift Cards
  • VISA Prepaid & Reloadable Travel Cards
  • No Monthly Fee Checking, No Minimum Balance
  • Mobile Banking
  • Audio Response Banking
  • Financial Calculators





NCUA
Your savings federally insured to at least
$250,000 and backed by the full faith and credit
of the United States Government. National Credit Union Administration, a U.S. Government Agency.
America's Credit Unions EHL
We do business in accordance
with the Federal Fair Housing Law and
the Equal Credit Opportunity Act.