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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 Plus Credit Union Rates & Review April 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: April 8, 2026
Energy Plus Credit Union's 15 or 17 month CD rates are at 4.00%, 12 month CD rates are at 3.75%, 18 month CD rates are at 3.70%, 24 month CD rates are at 3.65%, 30 month CD rates are at 3.60%. Energy Plus Credit Union's money market rates are at 0.75%. Energy Plus Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of Energy Plus Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.46%. Rates were last updated on 04/08/2026. Energy Plus Credit Union 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 Plus Credit Union? Share your experience about Energy Plus Credit Union by leaving a review below, or read customer reviews before you decide to use Energy Plus Credit Union. Energy Plus Credit Union
Main Office 1230 W Morris St
https://www.energypluscu.org Indianapolis, IN 46221 1710 
Energy Plus Credit Union CD Rates
Energy Plus Credit Union Savings Rates
Energy Plus Credit Union Money Market Rates
Energy Plus Credit Union Checking Rates
Energy Plus Credit Union Home Equity & HELOC
Energy Plus Credit Union Auto Loan Rates
Energy Plus Credit Union Credit Card Rates
Energy Plus Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Energy Plus Credit Union 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 Plus Credit Union 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 Plus Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Energy Plus Credit Union
Website
https://www.energypluscu.org
Address
1230 W Morris St,
Indianapolis, IN 46221 1710
Phone
317-261-8521
Fax
317-261-5480
President
Sara Mamuska Morris
CEO
Cari Palmer
Full-Time Employees
14
Part-Time Employees
1
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.46%
Return on Assets (ROA)
0.6614%
Return on Equity (ROE)
4.1766%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
44,926,465
Total Amount of Shares and Deposits
37,550,969
Total Shares and Deposits < 1 Year
37,065,634
Total Shares and Deposits 1 3 Years
440,521
Total Shares and Deposits > 3 Years
44,814
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,134,057
Total Uninsured Shares and Deposits > $250K (F+J)
1,134,057
Total Insured Shares and Deposits > $250K (item 17 less item K)
36,416,912
Total Interest Expense (Sum of items 6 8)
426,488
Share Certificates
432
Number of Accounts for Share Drafts
2,060
Number of Accounts for Regular Shares
4,534
Money Market Shares
54
Net Income (unless the amount is already included in Undivided Earnings)
297,149
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
197,877
Total Liabilities
37,839,326
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Energy Plus Credit UnionIs Energy Plus Credit Union a safe place to deposit money?Yes, Energy Plus Credit Union is considered a safe financial institution. With a Texas Ratio of 1.4621697127189%, 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 Plus Credit Union operate?Energy Plus Credit Union 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 Plus Credit Union?Yes, to access services at Energy Plus Credit Union, 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 Plus Credit Union 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 Plus Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Energy Plus Credit Union offer online and mobile banking?Most modern institutions like Energy Plus Credit Union 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: https://www.energypluscu.org. Current Energy Plus Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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