Happy St. Patrick’s Day 2022
How to Afford a Vacation
Open A Special Share Savings
Special Share Savings
Members can open additional basic savings accounts to set aside money for vacations, college, or other planned expenses.
Download Enbright’s mobile apps
Enbright’s mobile app connects you to all things Enbright. This free app is available in your app store and works with Apple and Android platforms and all tablet platforms. The mobile app provides links to current rates, branch locations and directions, Online Banking, ATM maps and locations and more.
Enroll in Online Banking
Enbright’s Online Banking
Our online banking is a free service that gives you access to your Enbright accounts online. You can check your balances, make transfers and loan payments, view your previous statement history and manage several other online services.
13th Annual CU4Kids Golf Classic
We are excited to announce the date for the 13th Annual Credit Unions for Kids Golf Classic!
This year’s tournament will be held on Thursday, August 4, 2022, at Pine Creek Golf Course in Mt. Juliet. with a shotgun start at 8 am. As always there will be lots of fun games and good food. We appreciate your support in the past and without your help, we wouldn’t be able to have raised nearly $500,000 to support Monroe Carell Jr. Children’s Hospital at Vanderbilt. We can’t wait to see what kind of surprises we can come up with for this year’s tournament to continue making the event special.
We will be using the GolfStatus app again this year to track LIVE team scoring and send out push notices throughout the event to recognize our sponsors and give out door prizes! The app even has GPS built-in for the course to help with yardage. Thank you to the Tennessee Credit Union League for being our Technology Sponsor!
We have made event sponsorship and registration easy with our website into your desktop, mobile or tablet device: https://events.golfstatus.com/event/de115b4b-99f9-48c8-ac94-83b7174c24f5/details/registration-details.
or you can CLICK HERE
Once you are on the site you can click the Register Now button at the top right of the page and select the sponsorship package of your choice, complete the required information, and you will be directed to the payment process. Certain sponsorships come with free team registrations, but if you’d like to just purchase a team click on the Register Now page and follow the steps to register your team. During the registration process, you may upload a logo but don’t worry if you don’t have one available we will reach out after registration to collect the proper size and format.
**IMPORTANT NOTE** – There is now an option to pay online with a credit/debit card and if you would like to do so there are certain fees associated. If you would like to pay by check as you have in years past, you may do so by selecting the ‘Pay at Course’ option and we can create an invoice if needed. Paying by check will also help increase the amount raised for the hospital as there are fees associated with card payments. Below is a screenshot of the payment screen so you can see where to click for either option.
For a peek into how your generous support contributes to Monroe Carell Jr. Children’s Hospital at Vanderbilt – View: “Video Tour of Monroe Carell Jr. Children’s Hospital at Vanderbilt featuring Allison DeMarcus”
2022 Down Payment Assistance Programs for Tennessee 1st time Home Buyers
Top 2022 Down Payment Assistance Programs (Up to $15,000) for Tennessee First Time Home Buyers
2022 Tennessee Housing Development Agency (THDA) Great Choice for First Time Home Buyers
- First time home buyers
- For middle / moderate-income families
- Requires a credit score of at least 640
- Additional downpayment assistance is available (up to 5%) for qualified Tennesseans (HHF-DPA)
- Household income must be $95,900 or less depending on the county and household size see income limits chart
- The home purchase price must be $375,000 or less depending on the county see purchase price limits
2022 Hardest Hit Fund Down Payment Assistance (HHF-DPA) Program for First Time Home Buyers
- Provides a $15,000 down payment assistance regardless of the purchase price of the home
- Assistance is a 10-year forgivable loan at 0% interest and no monthly payments
- Must purchase an existing home (no new construction)
- Works in conjunction with THDA Great Choice program
- Must complete a THDA-certified Homebuyer Education class
- See eligible zip codes below
37037 37040 37042 37073 37086 37110 37115 37148 37172 37186 37207 37208 37217 37218 37303 37311 37321 37323 37404 37406 37411 37412 37416 37660 37716 37721 37813 37821 37871 37912 37914 37917 37921 37924 38012 38016 38018 38053 38063 38105 38107 38109 38111 38115 38116 38122 38125 38127 38128 38133 38134 38135 38141 38301 38305
2022 – The Housing Fund Down Payment Assistance for Current or First Time Home Buyers
- Up to $35,000 loan for a down payment
- 5 to 8 percent interest rate based on income tier and loan type
- 10 to 15-year term based on loan amount
- The home must be the buyer’s primary residence
- The first mortgage lender must be FHA approved in Tennessee
- Homebuyer Education, provided by a THDA-certified counselor, must be completed prior to closing (online class available)
- Borrowers must contribute at least 1% of the sales price to the purchase
- No bankruptcy in past 3 years
- Household income must be $90,450 or less depending on county and houshold size… see income limits chart below
| County | AMI | 1 person | 2 people | 3 people | 4 people | 5 people | 6 people | 7 people | 8 people |
|---|---|---|---|---|---|---|---|---|---|
| Nashville-Davidson Tier 1 | 80% | $38,400 | $43,850 | $49,350 | $54,800 | $59,200 | $63,600 | $68,000 | $72,350 |
| Nashville-Davidson Tier 2 | 100% | $48,000 | $54,850 | $61,700 | $68,500 | $74,000 | $79,500 | $85,000 | $90,450 |
| Clarksville-Montgomery Tier 1 | 80% | $30,200 | $34,500 | $38,800 | $43,100 | $46,550 | $50,000 | $53,450 | $56,900 |
| Clarksville-Montgomery Tier 2 | 100% | $37,750 | $43,150 | $48,500 | $53,900 | $58,200 | $62,500 | $66,850 | $71,150 |
| Maury Tier 1 | 80% | $31,500 | $36,000 | $40,500 | $44,950 | $48,550 | $52,150 | $55,750 | $59,350 |
| Maury Tier 2 | 100% | $39,400 | $45,000 | $50,650 | $56,200 | $60,700 | $65,200 | $69,700 | $74,200 |
| All Other Tennessee Counties | contact us | ||||||||
2022 USDA 100% Financing Program for First Time Home Buyers
- For first time home buyers
- No down payment required
- Requires a credit score of at least 640
- Property must be located in targeted area.
- Maximum household income varies from $54,600 to $89,600 depending on county and houshold size
- Maximum home purchase price varies from $240,000 to $275,000 based on county
- PMI (Private Mortgage Insurance) not required
- Seller can contribute up to 6% of purchase price toward closing costs
2022 America’s Home Buyer Solution for Current or First Time Home Buyers
- For first time home buyers AND current homeowners
- Get up to a 2.5% Down Payment Grant toward the purchase of a home (never needs to be paid back)
- The remaining 1% down payment required can be a gift from a family member.
- Applies to any FHA Approved Property (including duplexes, triplexes, and 4-plexes) in Tennessee
- The seller can contribute toward pre-paid expenses and closing costs such as taxes, insurance, etc.
- Income limits apply based on county.
- The home must be owner-occupied. No rental properties.
- No pre-payment penalties.
- Requires a credit score of at least 640
- Household income must be at or below The USDA median income limits.
- Must complete a THDA-certified Homebuyer Education class (cost approx $60)
2022 FHA Program for First Time Home Buyers
- For first time home buyers
- Low down payment
- Requires a credit score of at least 620
- Parents or family members can co-sign a loan (kiddie condo)
- Lower down payment than the standard FHA program is available in Tennessee if you purchase FHA Foreclosure
- Down payment can be 100% gift, 100% down payment assistance, or 100% grant funds
- Single-family, condo, and 2-4 unit property loan limits for FHA approved condos Find Eligible Condos
- The seller can contribute up to 6% of the purchase price toward closing costs
More down payment assistance programs for Tennesseans may be available soon. Please visit again for updates.
The information presented on this site is deemed to be accurate at the time of writing.
We make every effort to keep our information current; however, please be advised, some programs may alter their terms/conditions or max out their funding.
The information presented on this site is deemed to be accurate at the time of writing.
We make every effort to keep our information current; however, please be advised, some programs may alter their terms/conditions or max out their funding.
Featured Tennessee Cities:
Athens, Bartlett, Brentwood, Bristol, Chattanooga, Clarksville, Cleveland, Collierville, Columbia, Cookeville, Dickson, Dyersburg, East Ridge, Elizabethton, Farragut, Franklin, Gallatin, Germantown, Goodlettsville, Greeneville, Hendersonville, Jackson, Johnson City, Kingsport, Knoxville, Lakeland, La Vergne, Lebanon, Maryville, McMinnville, Memphis, Middle Valley, Morristown, Mount Juliet, Murfreesboro, Nashville, Oak Ridge, Sevierville, Smyrna, Soddy-Daisy, Springfield, Spring Hill, Shelbyville, Tullahoma
Featured Tennesee Counties
Anderson, Bedford, Benton, Bledsoe, Blount, Bradley, Campbell, Cannon, Carroll, Carter, Cheatham, Chester, Claiborne, Clay, Cocke, Coffee, Crockett, Cumberland, Davidson, Decatur, DeKalb, Dickson, Dyer, Fayette, Fentress, Franklin, Gibson, Giles, Grainger, Greene, Grundy, Hamblen, Hamilton, Hancock, Hardeman, Hardin, Hawkins, Haywood, Henderson, Henry, Hickman, Houston, Humphreys, Jackson, Jefferson, Johnson, Knox, Lake, Lauderdale, Lawrence, Lewis, Lincoln, Loudon, Macon, Madison, Marion, Marshall, Maury, McMinn, McNairy, Meigs, Monroe, Montgomery, Moore, Morgan, Obion, Overton, Perry, Pickett, Polk, Putnam, Rhea, Roane, Robertson, Rutherford, Scott, Sequatchie, Sevier, Shelby, Smith, Stewart, Sullivan, Sumner, Tipton, Trousdale, Unicoi, Union, Van Buren, Warren, Washington, Wayne, Weakley, White, Williamson, Wilson
Source:
2022 Down Payment assistance programs for Tennessee first time home buyers. (n.d.). Tennessee-First-Time-Home-Buyer.com. Retrieved March 9, 2022, from http://tennessee-first-time-home-buyer.com/
Celebrate International Women’s Day in 2022
International Women’s Day is celebrated globally on March 8, every year. It is a day when women are recognized for their achievements without regard to divisions, whether national, ethnic, linguistic, cultural, economic, or political.
Check out these amazing ways to celebrate!
- Take a few minutes to acknowledge the awesome women in your life!
- Celebrate with song! Listen to “One Woman: A Song for UN Women” by UN Women.
- Pamper yourself – This is the day when you should celebrate yourself the most. Take a day off from work, go to a spa, treat yourself to a lavish dinner or a pedicure – do all that will make you feel more special because you deserve it.
- Atlantis Wealth is Reinventing Wealth Management For Women! Connect with our Financial Wealth Management Partner, Christy Robinson! Download Your Free Women & Wealth Guide!
- Donate to Enbright Credit Union’s Food Pantry! With your support, we can help women and children within your communities that struggle with hunger every day. Find out more!
- Support a Women-Owned Business in your area! Visit: PursePower
