Who We Are

Serving Those Who Serve Our Communities!

Our History

Emergency Responders Credit Union was chartered on April 1, 1940, to create a credit union for firefighters. The needs of its sixty-three charter members were simple. Members deposited money in a savings account so that other members could borrow money. Depositors earned excellent dividends and borrowers paid low interest rates.

Since those early days, our membership and the services offered have grown. Emergency Responders Credit Union (ERCU) has continued our long history of serving members in the Winston-Salem community and beyond. Since our establishment as the Winston-Salem Firefighters Credit Union in the 1940’s, ERCU has consistently worked to meet the financial services needs of our members and their families.

As the community of first responders is tight-knit, so is the membership and staff of ERCU. With friendly staff and an inviting office, ERCU provides a physical environment different from a bank (and even large credit unions), not to mention the sense of relationship developed between members and our staff.

We want to be the first choice for you and your family when it comes to your financial needs. Call or visit us today!

Credit Union History and Facts


Credit Union Founded


Valued Members


Team Members

Emergency Responders Credit Union Serves...

Employees and volunteers of Emergency First Responder Agencies as defined by the Homeland Security Presidential Directive (fire service, emergency medical service, emergency management, law enforcement, and hazardous materials) in the State of North Carolina, and Emergency Responders Credit Union employees, retirees of said groups, members of each groups immediate family, and organizations predominantly of such persons.

The Credit Union Difference

The Board of Directors at Emergency Responders Credit Union is responsible for ensuring compliance, safeguarding the Credit Union's mission, making policies, serving as ambassadors, collaborating with the CEO, and providing leadership.

Our Volunteers


  • J. Scott Gauldin, President
  • Chris Belcher, Vice President
  • David Sojka, Secretary/Treasurer
  • Brian E. Diggs, Director
  • Brandon G. Watson, Director
  • Chad S. Lankford, Director
  • Dale Hester, Director
  • Jerry L. Amos, Director
  • Kelly S. Emerson, Director
  • Mark Holt, Associate Director


  • Janita D. Rickett, CEO | MLO #579100
  • Todd Shoemaker, EVP | MLO #1673088
  • Lisa M. Scott, Senior Loan Officer/Marketing Coordinator/Universal Employee | MLO #2297657
  • Fourera Mossi, Collections Manager, Universal Employee
  • Avery Hester, MSR/Teller
  • Alison Nelson, MSR/Teller
  • Christy Stone, MSR/Teller
  • Linda Elliott, MSR/Teller

Become an Emergency Responders Credit Union Volunteer

Emergency Responders Credit Union operates under a philosophy of being owned by its members, with the Board of Directors overseeing operations. This approach sets us apart from other financial institutions, and without our volunteer Board of Directors, we would not be able to provide cost-effective services. Our Board of Directors and Committee Members advocate for the interests of our member-owners and collaborate with the management team to enhance your financial well-being.

If you are passionate about helping Emergency Responders Credit Union continue to thrive and want to become more involved with your credit union, we encourage you to apply for a position on the Board of Directors or a Committee. Please take a moment to review the details and links provided and fill out our volunteer application.