Energy CU (MA)

Overview / Commentary
156 Spring St
West Roxbury, MA 02132

Energy CU (MA) is headquartered in West Roxbury and is the 59th largest credit union in the state of Massachusetts. It is also the 1,736th largest credit union in the nation. It was established in 1931 and as of December of 2021, it had grown to 9 employees and 4,138 members at 1 location. Energy CU (MA) has an A health rating.

Field of Membership Restrictions

Energy Credit Union is open to individuals who live or work in the Massachusetts counties of Norfolk or Suffolk, or the Massachusetts communities of Bedford, Belmont, Billerica, Burlington, Lexington, Lincoln, Newton, Waltham, Watertown, Weston, or Woburn. Employees and retirees of National Grid New England also qualify for membership.
See current membership details


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Health Grade Components

NCUA #66369
Year Chartered1931
Primary Regulator
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD1.13%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$110.4MM$103.9MM
LoansQ4 2021vs Q4 2020$75.5MM$59.8MM
DepositsQ4 2021vs Q4 2020$90.8MM$83.3MM
Equity CapitalQ4 2021vs Q4 2020$15.9MM$16.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$180.00K$145.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.1MM$101.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Energy CU (MA) Savings Account Rates

0.25%*$30k*-Share Savings Account
OTHER TIERS: 0.10% $10 - $10k | 0.15% $10k - $20k | 0.20% $20k - $30k
0.25%*$30k*-IRA Share Account
OTHER TIERS: 0.10% $10 - $10k | 0.15% $10k - $20k | 0.20% $20k - $30k
0.10%$10-Vacation Club Account
0.10%$10-Holiday Club Account

Energy CU (MA) Checking Account Rates

0.05%$10-NOW Checking Account

Energy CU (MA) CD Rates

1.20%$1k-60 Month CD
0.75%$1k-36 Month CD
0.70%$1k-24 Month CD
0.65%$1k-18 Month CD
0.50%$1k-12 Month CD
0.30%$1k-6 Month CD

Energy CU (MA) IRA Rates

1.20%$1k-60 Month IRA
0.75%$1k-36 Month IRA
0.70%$1k-24 Month IRA
0.65%$1k-18 Month IRA
0.50%$1k-12 Month IRA
0.30%$1k-6 Month IRA

Energy CU (MA) Locations
Branch Office156 Spring StWest Roxbury, MA 02132

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