Energy CU (MA)

Overview / Commentary

617-325-1999

156 Spring St
West Roxbury, MA 02132

Energy CU (MA) is headquartered in West Roxbury and is the 58^th largest credit union in the state of Massachusetts. It is also the 1,715^th largest credit union in the nation. It was established in 1931 and as of June of 2020, it had grown to 11 employees and 4,121 members at 2 locations. 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

View all posts from:

2019
2017
2009
Earlier

7/9 - 36-Month CD Special, 3.04% APY

7/20 - Energy CU (MA) Boosts Rate On 24-Month CD
6/6 - 24-Month CD Special, 2.02% APY

1/20 - 4.07% 12-Month CD at Energy Credit Union in Massachusetts

6/7/06 - 6.17% 6-Month CD at a Massachusetts CU

Reviews

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Health

A+

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #	66369
Year Chartered	1931
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.2%
Return on Equity - YTD	1.22%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$100.8MM$92.4MM
Loans	Q2 2020vs Q2 2019	$63.9MM$61.1MM
Deposits	Q2 2020vs Q2 2019	$77.6MM$67.7MM
Equity Capital	Q2 2020vs Q2 2019	$16.1MM$15.5MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$203.00K$170.00K
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$73.00K$365.00K
Real Estate Owned	Q2 2020vs Q2 2019	$0$0

Rates

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Checking
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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$10	-	NOW Checking Account

Energy CU (MA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.41%	$1k	-	60 Month CD
1.16%	$1k	-	36 Month CD
1.01%	$1k	-	24 Month CD
0.95%	$1k	-	18 Month CD
0.75%	$1k	-	12 Month CD
0.35%	$1k	-	6 Month CD

Energy CU (MA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.41%	$1k	-	60 Month IRA
1.16%	$1k	-	36 Month IRA
1.01%	$1k	-	24 Month IRA
0.95%	$1k	-	18 Month IRA
0.75%	$1k	-	12 Month IRA
0.35%	$1k	-	6 Month IRA

Locations

Energy CU (MA) Locations
Branch Office	156 Spring St	West Roxbury, MA 02132
Branch Office	40 Sylvan Rd	Waltham, MA 02451

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