Electric Service Credit Union

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A short history of Electric Service CU

Since its inception in 1951 the Electric Service Credit Union has been serving its members in the NASHVILLE, Tennessee area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Ronald Smith II, the Electric Service CU has grown its membership to over 6,957 with assets of more than $65,598,434. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (615) 687-4801 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in NASHVILLE, TN.

General Information For Electric Service CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68148
State Tennessee 
Zip-Code 37214
Phone Number (615) 687-4801
Fax Number (615) 687-4802
Email Address: none
CEO/President Ronald Smith II
Members 6,957 
Full-Time Employees 20 
Part-Time Employees
Number of Branch Offices
Total Assets 65,598,434 
Website http://www.escu.com 

Compare Electric Service Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
M.p.d. Community CU MPDCCU 2711 OLD LEBANON RD 37214 (615) 782-7220 No 0.27
Us Community CU Mount Juliet Branch 2700 N Mount Juliet Rd 37214 (615) 256-8712 No 0.61
Nashville Post Office CU Main Office 10 Rachel Dr 37229 (615) 871-4221 No 1.77
Willis Credit Union CU Jack Henry Outlink Data Center 10910 W 87th St 66214 (913) 307-1310 No 1.92
Outreach Community CU Outreach Community Federal Credit Union 3904 Central Pike 37076 (615) 883-4019 No 3.22

Electric Service Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Electric Service Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.94 4.42 5.88 5.02 5.96
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 246 332 429 271 336
Rank Among All Tennessee Credit Unions 20 61 62 46 30

Electric Service Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 1.28 0.10 0.62 1.10 0.75
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 31 129 45 152 192
Rank Among All Tennessee Credit Unions 1 17 4 9 18
Electric Service Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9409082,761,600
All Other Unsecured Loans/Lines of Credit 11.9006692,520,583
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.4202014,812,195
Used Vehicle Loans 5.8802,33125,649,880
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.020312,285,459
Total Other Real Estate Loans/Lines of Credit 5.9601304,116,614
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.6001721,986,054
TOTAL LOANS & LEASES 4,44244,132,385

Electric Service Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 281,847,202146,400
    a. > 15 years 0000
    b. 15 Years or less 2413,56800
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 124,68900
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 25587,42800
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1053,529,18615822,846
Open-End Fixed Rate 0000
TOTALS 1616,402,07316869,246


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Electric Service Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes