Energy CU (MA)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.78%	2-year CD	2.80% - Capital One 24 Month 360 CD
2.78%	2-year IRA	1.55% - National Average
3.04%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD

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 60^th largest credit union in the state of Massachusetts. It is also the 1,696^th 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

Overall
NCUA #	66369
Year Chartered	1931
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.24%
Return on Equity - YTD	1.53%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$91.5MM$86.1MM
Loans	Q3 2018vs Q3 2017	$53.3MM$49.2MM
Deposits	Q3 2018vs Q3 2017	$68.4MM$68.9MM
Equity Capital	Q3 2018vs Q3 2017	$14.6MM$14.8MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$140.00K$279.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$78.00K$62.00K
Real Estate Owned	Q3 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

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
3.04%	$1k	-	60 Month CD
3.04%	$1k	-	36 Month CD Special
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	156 Spring St	West Roxbury, MA 02132
Branch Office	40 Sylvan Rd	Waltham, MA 02451

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