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Energy Plus Credit Union


Overview / Commentary
www.energypluscu.org
317-261-8521
1230 W Morris St
Indianapolis, IN 46221

Energy Plus Credit Union is headquartered in Indianapolis and is the 73rd largest credit union in the state of Indiana. It is also the 2,699th largest credit union in the nation. It was established in 1925 and as of September of 2020, it had grown to 12 employees and 4,285 members at 3 locations. Energy Plus Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Energy Plus Credit Union is open to the following: (1) those who live or work in Daviess, Hendricks, Johnson, Morgan, and Pike Counties in Indiana and select areas of Marion County; (2) employees of Citizens Energy Group and its wholly owned subsidiaries; (3) employees and retirees of Indiana Division of Wright Tree Service; (4) employees and retirees of Indianapolis Power & Light; (5) employees and retirees of American Security Inc.
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Health
B+

Data as of Q3 2020

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 Plus Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #65458
Year Chartered1925
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD2.98%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$38.6MM$34.8MM
LoansQ3 2020vs Q3 2019$25.7MM$25.7MM
DepositsQ3 2020vs Q3 2019$32.8MM$29.1MM
Equity CapitalQ3 2020vs Q3 2019$5.6MM$5.5MM
Loan Loss AllowanceQ3 2020vs Q3 2019$100.00K$117.00K
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$154.00K$139.00K
Real Estate OwnedQ3 2020vs Q3 2019$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 Plus Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Share Savings
0.10%--Vacation Club
0.10%--Holiday Club

Energy Plus Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Money Market Account
OTHER TIERS: 0.30% → $5k - $25k | 0.35% → $25k - $50k

Energy Plus Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%-$5kRewards Share Draft/Checking - Qualifying

Energy Plus Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$500-60 Month Share Certificate
1.16%$500-48 Month Share Certificate
1.00%$500-36 Month Share Certificate
0.80%$500-30 Month Share Certificate
0.70%$500-24 Month Share Certificate
0.50%$500-18 Month Share Certificate
0.40%$500-12 Month Share Certificate
0.30%$500-6 Month Share Certificate
Locations


Energy Plus Credit Union Locations
Branch Office2020 N Meridian StIndianapolis, IN 46202
Branch Office1230 W Morris StIndianapolis, IN 46221-1710
Branch Office6925 N State Road 57Petersburg, IN 47567

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