The Employee Resources Credit Union All Credit Levels is a cdfi lender from Employee Resources Credit Union. The ongoing APR is 3.99%. Loan terms: Rates as low as 5.50%. This product reports activity to your personal credit report. Employee Resources Credit Union (ERCU) is a credit union located in Lawrenceburg, TN, providing a range of financial services to its members. ERCU serves individuals and families in the local community, offering various loan products including auto loans and in-house real estate loans. Services include: auto loans, real estate loans. US Treasury certified CDFI Credit Union in LAWRENCEBURG, TN. Membership required.