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Energy CU (MA)

Popular Accounts at this Credit Union

1.31%2-year CD24 Month CD
1.31%2-year IRA24 Month IRA (Traditional, Roth, CESA)
2.02%5-year CD60 Month CD

Overview / Commentary
156 Spring St
West Roxbury, MA 02132

Energy CU (MA) is headquartered in West Roxbury and is the 60th largest credit union in the state of Massachusetts. It is also the 1,773rd largest credit union in the nation. It was established in 1931 and as of December of 2017, it had grown to 11 employees and 4,165 members at 2 locations. Energy CU (MA) has an A health rating.

Field of Membership Restrictions

Membership in Energy Credit Union is open to those who live or work in the cities of Bedford, Billerica, Belmont, Burlington, Lincoln, Lexington, Newton, Waltham, Watertown, Woburn, Weston, Massachusetts or in Norfolk and Suffolk Counties. Membership is also open to employees and retirees of National Grid New England.
See current membership details

Related Posts

Energy CU (MA) Boosts Rate On 24-Month CD - 7/20/2017

Energy CU (eastern Massachusetts) has raised the rate on its 24-month CD (2.02% APY) by 102 bps. The minimum deposit is $1k. Also offered as an IRA.

24-Month CD Special, 2.02% APY - 6/6/2017

24-month CD Special, 2.02% APY, $1,000 minimum Field of membership is Norfolk and Suffolk Counties, and 11 other named Massachusetts communities. http://energycreditunion.org/rates/certificate-of-deposit/

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Energy CU (MA) has a relatively low asset base.

Health Grade Components

NCUA #66369
Year Chartered1931
Primary Regulator
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD0.57%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$83.4MM$81.1MM
LoansQ4 2017vs Q4 2016$51.0MM$43.4MM
DepositsQ4 2017vs Q4 2016$68.1MM$65.8MM
Equity CapitalQ4 2017vs Q4 2016$14.9MM$14.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$139.00K$316.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$102.00K$63.00K
Real Estate OwnedQ4 2017vs Q4 2016$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%--Vacation Club Account
0.10%--Holiday Club Account

Energy CU (MA) Checking Account Rates

0.05%--NOW Checking Account

Energy CU (MA) CD Rates

2.02%$1k-60 Month CD
1.76%$1k-36 Month CD
1.31%$1k-24 Month CD
1.00%$1k-18 Month CD
0.40%$1k-12 Month CD
0.30%$1k-6 Month CD

Energy CU (MA) IRA Rates

2.02%$1k-60 Month IRA
1.76%$1k-36 Month IRA
1.31%$1k-24 Month IRA
1.00%$1k-18 Month IRA
0.40%$1k-12 Month IRA
0.30%$1k-6 Month IRA

Energy CU (MA) Locations
Branch Office156 Spring StWest Roxbury, MA 02132
Branch Office40 Sylvan RdWaltham, MA 02451