Business Details
50+ Years
experience
Saving Members Money Since 1950!
Enrichment Federal Credit Union has been dedicated to helping members achieve financial success since 1950. Our member-focused approach has saved clients over $4 million in the past year alone through competitive loan rates, reduced fees, and enhanced certificate returns. We offer comprehensive financial solutions including personal and business banking, home and auto loans, credit cards, and investment planning services. Our 24/7 digital banking platform provides convenient access to account management tools and financial education resources. Community enrichment remains central to our mission, demonstrated through charitable programs where members direct $25,000 in quarterly donations to local causes.We empower financial literacy through youth accounts and My Credit Manager, offering free credit monitoring and debt analysis tools. Our lending experts provide personalized guidance for mortgage, auto, and business loan applications with next-business-day response times. Membership eligibility extends to residents, workers, and students in nine Tennessee counties. Physical services are available at our Oak Ridge headquarters and through upcoming interactive teller machine locations. Regulatory compliance and member data security remain paramount in all our operations.
Services
Free Checking
Savings Accounts
IRAs
Home Loans
Credit Cards
Business Loans
Youth Accounts
Mobile App
Financial Education
Community Enrichment
Details
- Year established: 1950
Highlights and features
- We've saved members over $4M in the past year through competitive rates
- Our 24/7 digital banking platform offers convenient account management
- Community enrichment program lets members direct quarterly charitable donations
- Free credit monitoring and debt analysis tools available to all members
- Next-business-day loan application response guarantee
Services
Free Checking
Our free checking accounts provide no monthly maintenance fees with access to digital banking tools, mobile check deposit, and nationwide ATM networks. Members benefit from competitive interest rates and overdraft protection options. Account holders receive personalized debit cards and can set up automatic bill payments for financial convenience.
Home Loans
We offer customized home loan solutions including fixed and variable rate mortgages with competitive APRs. Our lending specialists provide personalized guidance through the application process, with next-business-day responses. Loan options include conventional mortgages, first-time homebuyer programs, and refinancing opportunities for Tennessee residents.
Financial Education
Our financial literacy programs provide budgeting tools, credit management resources, and investment planning guidance. Members access free online calculators, debt analysis tools, and personalized credit score monitoring through My Credit Manager. Educational workshops cover topics from first-time homebuying to retirement planning strategies.
Community Enrichment
This member-directed initiative allocates $25,000 quarterly to local charities based on member voting. Participants choose from pre-screened 501(c)(3) organizations, ensuring community impact aligned with member values. The program exemplifies our 'People Helping People' philosophy through collective charitable action.
Mobile Banking
Our mobile app enables 24/7 account access with features like mobile check deposit, real-time transaction tracking, and instant card controls. Users can transfer funds, pay bills, and receive fraud alerts through secure push notifications. The platform integrates with budgeting tools for comprehensive financial management on any mobile device.
Questions
How do I apply for a loan?
Apply online through our secure portal or contact our lending team at 800-482-0049 for personalized assistance.
What membership benefits are available?
Members receive competitive rates, free credit monitoring, financial education resources, and community donation participation rights.
What services are available digitally?
24/7 online banking includes account management, mobile deposits, secure messaging, and credit monitoring tools.
How does the community enrichment program work?
Members vote quarterly to direct $25,000 donations to local 501(c)(3) organizations through our website.
What loan types do you offer?
We provide auto loans, home equity loans, mortgages, business loans, and credit card financing options.
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