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 1,772nd largest credit union in the nation. It was established in 1931 and as of June of 2022, it had grown to 9 employees and 4,151 members at 1 location. Energy CU (MA)'s CD rates are 2X the national average, and it 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 - YTD0.53%
Return on Equity - YTD3.96%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$107.6MM$112.3MM
LoansQ2 2022vs Q2 2021$78.7MM$67.0MM
DepositsQ2 2022vs Q2 2021$90.9MM$90.7MM
Equity CapitalQ2 2022vs Q2 2021$14.7MM$15.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$204.00K$147.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$38.00K$552.00K
Real Estate OwnedQ2 2022vs Q2 2021$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

3.00%$1k-24 Month CD
3.00%$1k-36 Month CD
3.00%$1k-60 Month CD
2.50%$1k-18 Month CD
2.00%$1k-12 Month CD
1.25%$1k-6 Month CD

Energy CU (MA) IRA Rates

3.00%$1k-24 Month IRA
3.00%$1k-36 Month IRA
3.00%$1k-60 Month IRA
2.50%$1k-18 Month IRA
2.00%$1k-12 Month IRA
1.25%$1k-6 Month IRA

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

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