2. Energy CU (MA)

Energy CU (MA)

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.78%2-year CD
2.80% - Barclays 24 Month Online CDAdvertisement
2.78%2-year IRA
1.66% - National Average
3.04%5-year CD
3.10% - Barclays 60 Month Online CDAdvertisement
View all Energy CU (MA) rates »

Overview / Commentary
www.energycreditunion.org
617-325-1999
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 1,696th largest credit union in the nation. It was established in 1931 and as of September of 2018, it had grown to 11 employees and 4,230 members at 2 locations. Energy CU (MA)'s CD rates are 68% higher than the national average, and it 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

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Health
A

Data as of Q3 2018

Learn why bank health matters
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

Overall
NCUA #66369
Year Chartered1931
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD1.53%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$91.5MM$86.1MM
LoansQ3 2018vs Q3 2017$53.3MM$49.2MM
DepositsQ3 2018vs Q3 2017$68.4MM$68.9MM
Equity CapitalQ3 2018vs Q3 2017$14.6MM$14.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$140.00K$279.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$78.00K$62.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$10-NOW Checking Account

Energy CU (MA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$1k-36 Month CD
3.04%$1k-60 Month CD
2.78%$1k-24 Month CD
2.27%$1k-18 Month CD
1.51%$1k-12 Month CD
0.75%$1k-6 Month CD

Energy CU (MA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$1k-36 Month IRA
3.04%$1k-60 Month IRA
2.78%$1k-24 Month IRA
2.27%$1k-18 Month IRA
1.51%$1k-12 Month IRA
0.75%$1k-6 Month IRA
Locations


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

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