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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
ENERGY PEOPLE Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
ENERGY PEOPLE's savings rates are at 0.15%. MonitorBankRates evaluates the financial stability of ENERGY PEOPLE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.38%. Rates were last updated on 03/26/2026. ENERGY PEOPLE money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ENERGY PEOPLE? Share your experience about ENERGY PEOPLE by leaving a review below, or read customer reviews before you decide to use ENERGY PEOPLE. 
ENERGY PEOPLE Savings Rates
ENERGY PEOPLE Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ENERGY PEOPLE is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather ENERGY PEOPLE rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with ENERGY PEOPLE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ENERGY PEOPLE
Website
http://energypeoplefcu.com
Address
39 Wicklow Dr,
Tabernacle, NJ 08088 8640
Phone
609-268-9222
Fax
609-268-7350
President
John Cook
CEO
Janice Hughes
Full-Time Employees
5
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.38%
Return on Assets (ROA)
0.1192%
Return on Equity (ROE)
0.6556%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
18,275,981
Total Amount of Shares and Deposits
14,940,705
Total Shares and Deposits < 1 Year
14,467,635
Total Shares and Deposits 1 3 Years
473,070
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
795,756
Total Uninsured Shares and Deposits > $250K (F+J)
795,756
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,144,949
Total Interest Expense (Sum of items 6 8)
211,652
Share Certificates
352
IRA KEOGH Accounts
36
Number of Accounts for Regular Shares
1,252
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,687,829
Total Liabilities
14,952,866
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ENERGY PEOPLEIs ENERGY PEOPLE a safe place to deposit money?Yes, ENERGY PEOPLE is considered a safe financial institution. With a Texas Ratio of 0.38409745073523%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does ENERGY PEOPLE operate?ENERGY PEOPLE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join ENERGY PEOPLE?Yes, to access services at ENERGY PEOPLE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, ENERGY PEOPLE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, ENERGY PEOPLE provides members with tools to manage their accounts and build a solid financial history. Does ENERGY PEOPLE offer online and mobile banking?Most modern institutions like ENERGY PEOPLE provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://energypeoplefcu.com. Current ENERGY PEOPLE Rates
Retrieved from our database of financial products. Rates subject to change.
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