Business Details
50+ Years
experience
Your Trusted Financial Partner in Chattanooga
EPBECU has been dedicated to providing comprehensive financial services to EPB employees, retirees, contractors, and their families for 65 years. Our mission centers on empowering members through accessible financial solutions, including personalized loans, savings accounts, and insurance services. With a strong foundation built on trust and community focus, we offer tailored mortgage programs through partnerships like 7 Mortgage, ensuring competitive rates and streamlined application processes. Our commitment to financial education is evident through resources like Dave Ramsey's tax planning guidance and youth savings initiatives.Members benefit from modern conveniences such as 24/7 mobile banking, a wide Co-Op ATM network, and exclusive member discounts. Our experienced team maintains transparent operations, prioritizing member satisfaction through responsive service and ethical practices. As a locally rooted institution, we deeply understand the financial needs of our community and continuously adapt to meet evolving demands while maintaining fiscal responsibility.
Services
New Vehicle Loans
Mortgage Programs
Share Savings Accounts
Mobile Banking
Insurance Services
Details
- Year established: 1958
Highlights and features
- We offer 65 years of experience serving EPB employees and families
- Our partnership with 7 Mortgage provides low-rate mortgage options
- We provide Dave Ramsey-endorsed financial planning resources
- Our 24/7 mobile banking platform offers complete account access
- We maintain transparent operations with no hidden fees
Services
New Vehicle Loans
We offer competitive new vehicle loans with flexible terms to help members purchase their ideal automobiles. Our streamlined application process ensures quick approval decisions while maintaining favorable interest rates. Members benefit from personalized financing options tailored to their specific needs and credit profiles.
Mortgage Programs
Through our partnership with 7 Mortgage, we provide comprehensive mortgage solutions including conventional, FHA, and VA loans. Our programs feature competitive rates and specialized guidance for first-time homebuyers. The online application system simplifies the mortgage process while maintaining personalized support throughout the journey.
Share Savings Accounts
Our tiered share savings accounts offer members multiple options for building financial security. The Kasasa Saver program provides tiered interest rates based on balance levels while maintaining easy access to funds. These accounts serve as foundational tools for emergency savings and long-term financial goals.
Mobile Banking
Our 24/7 mobile banking platform enables members to manage accounts from anywhere at any time. Features include real-time transaction tracking, mobile check deposit, bill payment, and account transfers. The secure app provides complete financial control through intuitive interfaces optimized for smartphones and tablets.
Insurance Services
We offer comprehensive insurance solutions to protect members' financial well-being through life, disability, and property coverage options. Our programs provide customizable protection plans that integrate with existing financial strategies. Members receive personalized guidance to ensure appropriate coverage levels for their unique circumstances.
Questions
What membership requirements exist for joining EPBECU?
Membership is open to EPB employees, retirees, contractors, and their immediate family members. The process requires completing an application and meeting eligibility criteria related to employment status or family relationships.
How do mortgage applications work through 7 Mortgage?
Our partnership with 7 Mortgage enables online mortgage applications with personalized rate quotes. Members complete a digital application that integrates with our systems for seamless processing and dedicated support throughout the approval process.
What financial education resources are available?
We provide Dave Ramsey-endorsed tax planning materials, home buying guides, and youth financial literacy programs. These resources help members make informed decisions about budgeting, saving, and major financial purchases.
What mobile banking features are available?
Our mobile app offers real-time account access, mobile check deposit, bill payment, fund transfers, and transaction alerts. The platform maintains bank-grade security while providing convenient 24/7 access to financial management tools.
What loan types does EPBECU offer?
We provide new and used vehicle loans, share secured loans, home equity lines, credit cards, signature loans, and student loans. Each program features competitive rates and terms tailored to different borrowing needs and credit profiles.
What are the branch operating hours?
The main branch operates Monday-Friday 8:00 AM - 4:30 PM. The EPB branch location is open Mondays and Fridays 8:30 AM - 3:30 PM with a lunch closure from 1:30 PM - 2:00 PM.
