Energy Credit Union Rates and Review January 2026
Compare Energy Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Energy Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityEnergy Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Energy Credit Union? Share your experience about Energy Credit Union by leaving a review below, or read customer reviews before you decide to use Energy Credit Union. Overall, Energy Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Energy Credit Union Spring Street 156 Spring St West Roxbury, MA 02132  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonSelect Visa
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
Visa Cash Back
16.100%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPayroll Savings Loan
17.900%
$0 - $500
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
Signature Loan
12.490%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Energy Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Energy Credit Union
Website: https://www.energycreditunion.org
Full Time Employees: 13Part Time Employees: 2 President: James Godding CEO: Irene Tan Branch Locations: 2 ATM Locations: 4 Corporate Office Address:
156 Spring St
West Roxbury, MA 02132 Phone Number: 617-325-1999 Fax Number: 617-325-1993 FinancialsTotal Assets:
127,782,357
Total Amount of Shares and Deposits:
106,171,909
Total Shares and Deposits < 1 Year:
98,544,610
Total Shares and Deposits 1 3 Years:
3,990,198
Total Shares and Deposits > 3 Years:
3,637,101
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
8,522,991
Total Uninsured Shares and Deposits > $250K (F+J):
8,522,991
Total Insured Shares and Deposits > $250K (item 17 less item K):
97,648,918
Total Interest Expense (Sum of items 6 8):
1,526,712
Share Certificates:
935
Number of Accounts for Share Drafts:
2,670
IRA KEOGH Accounts:
269
Number of Accounts for Regular Shares:
7,084
All other shares:
164
Net Income (unless the amount is already included in Undivided Earnings):
521,277
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
9,568,129
Total Liabilities:
107,618,808
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Energy Credit UnionIs a member application needed to join Energy Credit Union?Yes, to access services at Energy Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Energy Credit Union provides a range of mortgage and home equity products. Is Energy Credit Union a safe place to deposit money?Yes, Energy Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Energy Credit Union offer online and mobile banking?Most modern institutions like Energy Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.25%, 6-month CD rates at 1.50% and 3-month CD rates at 0.50%. Savings rates are at 1.11% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.50%. Credit Card rates are at 13.74%. Personal Loan rates are at 11.00%. All these rates, and more, can be found in our database of rates which you can compare to 
