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  2. Energy CU (MA)

Energy CU (MA)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.31%2-year CD24 Month CD
1.50% - Ally Bank Raise Your Rate 2-Year CDAdvertisement
1.31%2-year IRA24 Month IRA (Traditional, Roth, CESA)
0.87% - National Average
2.02%5-year CD60 Month CD
2.25% - Ally Bank High Yield 5 Year CDAdvertisement
View all Energy CU (MA) rates »

Overview / Commentary
www.energycreditunion.org
888-833-5587
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 1,799th largest credit union in the nation. It was established in 1931 and as of June of 2017, it had grown to 12 employees and 4,302 members at 3 locations. Energy CU (MA) has a B+ 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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Health
B+

Data as of Q2 2017

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
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD-0.18%
Return on Equity - YTD-0.98%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$82.4MM$83.4MM
LoansQ2 2017vs Q2 2016$47.3MM$40.1MM
DepositsQ2 2017vs Q2 2016$65.0MM$66.9MM
Equity CapitalQ2 2017vs Q2 2016$14.9MM$15.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$255.00K$337.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$40.00K$164.00K
Real Estate OwnedQ2 2017vs Q2 2016$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%--Vacation Club Account
0.10%--Holiday Club Account

Energy CU (MA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--NOW Checking Account

Energy CU (MA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


Energy CU (MA) Locations
Branch Office156 Spring StWest Roxbury, MA 02132
Branch Office70 Fargo StBoston, MA 02210-2126
Branch Office40 Sylvan RdWaltham, MA 02451