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Energy Services Federal Credit Union

Popular Accounts at this Credit Union

0.40%1-year CD12 Month CD
0.15%SavingsShare Savings Account
0.55%2-year CD24 Month CD

Overview / Commentary
600 25Th Ave S Ste 101
Saint Cloud, MN 56301

Energy Services Federal Credit Union is headquartered in Saint Cloud and is the 90th largest credit union in the state of Minnesota. It is also the 4,219th largest credit union in the nation. It was established in 1933 and as of June of 2016, it had grown to 4 employees and 1,433 members at 3 locations. Energy Services Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees, contractors and retirees of Xcel Energy.
See current membership details


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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 Services Federal Credit Union has a low asset base.

Health Grade Components

NCUA #24664
Year Chartered1933
Primary Regulator
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD0.96%
Annual Interest Income$158.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$10.3MM$10.1MM
LoansQ2 2016vs Q2 2015$4.7MM$4.6MM
DepositsQ2 2016vs Q2 2015$8.6MM$8.5MM
Equity CapitalQ2 2016vs Q2 2015$1.7MM$1.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$11.00K$12.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$0$8.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Energy Services Federal Credit Union Savings Account Rates

0.15%*$5k*-Share Savings Account
OTHER TIERS: 0.08% Up to $5k

Energy Services Federal Credit Union CD Rates

0.55%$2,500-24 Month CD
0.50%$2,500-18 Month CD
0.45%$2,500-15 Month CD
0.40%$2,500-12 Month CD
0.30%$1k-6 Month CD
0.20%$500-3 Month CD

Energy Services Federal Credit Union Locations
Branch Office600 25th Ave S Ste 101Saint Cloud, MN 56301-4820
Branch Office2807 W County Road 75Monticello, MN 55362-9601
Branch Office13999 Industrial BlvdBecker, MN 55308-8800