Energy Services Federal Credit Union


Overview / Commentary
320-255-8687
600 25Th Ave S Ste 101
Saint Cloud, MN 56301

Energy Services Federal Credit Union is headquartered in Saint Cloud and is the 79th largest credit union in the state of Minnesota. It is also the 4,026th largest credit union in the nation. It was established in 1933 and as of June of 2019, it had grown to 2 employees and 1,392 members at 3 locations. Energy Services Federal Credit Union's CD rates are 67% higher than the national average, and it 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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Health
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, and a negative return on assets.

Health Grade Components

Overall
NCUA #24664
Year Chartered1933
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD-2.69%
Return on Equity - YTD-18.05%
Annual Interest Income$186.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$10.1MM$10.4MM
LoansQ2 2019vs Q2 2018$5.7MM$5.5MM
DepositsQ2 2019vs Q2 2018$8.5MM$8.5MM
Equity CapitalQ2 2019vs Q2 2018$1.5MM$1.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$20.00K$18.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$18.00K$0
Real Estate OwnedQ2 2019vs Q2 2018$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 Services Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$2k*-Share Savings Account
OTHER TIERS: 0.05% $100 - $2k

Energy Services Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%*$10k*-24 Month CD
OTHER TIERS: 1.70% $500 - $10k
1.70%*$10k*-18 Month CD
OTHER TIERS: 1.60% $500 - $10k
1.50%*$10k*-12 Month CD
OTHER TIERS: 1.40% $500 - $10k
0.80%*$10k*-6 Month CD
OTHER TIERS: 0.70% $500 - $10k
0.65%*$10k*-3 Month CD
OTHER TIERS: 0.55% $500 - $10k
Locations


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

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