Energy People Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.50%	5-year CD	3.00% - American Express National Bank 60 Month CD
2.25%	1-year CD	2.55% - Goldman Sachs Bank USA High-yield 12 Month CD
0.55%	Savings	1.90% - American Express National Bank High Yield Savings Account

View all Energy People Federal Credit Union rates »

Overview / Commentary

energypeoplefcu.com

609-268-9222

39 Wicklow Dr
Tabernacle, NJ 08088-8640

Energy People Federal Credit Union is headquartered in Tabernacle and is the 78^th largest credit union in the state of New Jersey. It is also the 3,623^rd largest credit union in the nation. It was established in 1960 and as of June of 2018, it had grown to 4 employees and 1,354 members at 1 location. Energy People Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Public Service Electric and Gas (PSE&G) in Moorestown, New Jersey.
See current membership details

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Health

B

Data as of Q2 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 People Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	13729
Year Chartered	1960
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.14%
Return on Equity - YTD	0.7%
Annual Interest Income	$334.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$16.1MM$16.5MM
Loans	Q2 2018vs Q2 2017	$13.9MM$12.6MM
Deposits	Q2 2018vs Q2 2017	$12.9MM$13.4MM
Equity Capital	Q2 2018vs Q2 2017	$3.1MM$3.1MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$132.00K$164.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$1,000$4.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Energy People Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	IRA Savings Account
0.55%^*	$100k^*	-	Savings Account
OTHER TIERS: 0.10% → Up to $10k \| 0.20% → $10k - $50k \| 0.25% → $50k - $100k

Energy People Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*	$25k^*	-	60 Month CD
OTHER TIERS: 2.15% → $1k - $5k \| 2.25% → $5k - $25k
2.25%^*	$25k^*	-	48 Month CD
OTHER TIERS: 2.10% → $1k - $5k \| 2.15% → $5k - $25k
2.25%^*	$25k^*	-	12 Month CD Special
OTHER TIERS: 2.10% → $1k - $5k \| 2.15% → $5k - $25k
2.15%^*	$25k^*	-	36 Month CD
OTHER TIERS: 1.65% → $1k - $5k \| 1.90% → $5k - $25k
2.00%^*	$25k^*	-	24 Month CD
OTHER TIERS: 1.50% → $1k - $5k \| 1.75% → $5k - $25k
0.70%^*	$25k^*	-	6 Month CD
OTHER TIERS: 0.50% → $1k - $5k \| 0.60% → $5k - $25k

Energy People Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*	$25k^*	-	60 Month IRA
OTHER TIERS: 2.15% → $1k - $5k \| 2.25% → $5k - $25k
2.25%^*	$25k^*	-	48 Month IRA
OTHER TIERS: 2.10% → $1k - $5k \| 2.15% → $5k - $25k
2.25%^*	$25k^*	-	12 Month IRA Special
OTHER TIERS: 2.10% → $1k - $5k \| 2.15% → $5k - $25k
2.15%^*	$25k^*	-	36 Month IRA
OTHER TIERS: 1.65% → $1k - $5k \| 1.90% → $5k - $25k
2.00%^*	$25k^*	-	24 Month IRA
OTHER TIERS: 1.50% → $1k - $5k \| 1.75% → $5k - $25k
0.70%^*	$25k^*	-	6 Month IRA
OTHER TIERS: 0.50% → $1k - $5k \| 0.60% → $5k - $25k

Locations

Energy People Federal Credit Union Locations
Branch Office	39 Wicklow Dr	Tabernacle, NJ 08088-8640

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