ENERGY PEOPLE Rates and Review January 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.
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Compare ENERGY PEOPLE 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 PEOPLE 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 PEOPLE 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 PEOPLE? Share your experience about ENERGY PEOPLE by leaving a review below, or read customer reviews before you decide to use ENERGY PEOPLE. Overall, ENERGY PEOPLE 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. 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 ComparisonVisa Credit Card
11.900%
World Cash Back Credit Card Mastercard
18.000%
VISA Traditional
14.240% - 18.000%
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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 ComparisonPersonal Loan
9.990% - 16.240%
$0
61 - 66
Personal Loans
14.200%
$5,000 - $8,000
48 - 48
Personal Loans
11.900%
$0 - $15,000
24 - 60
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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 PEOPLE rate data right now. Credit Union Profile & OverviewCredit Union Name: ENERGY PEOPLE
Website: http://energypeoplefcu.com
Full Time Employees: 5Part Time Employees: 1 President: John Cook CEO: Janice Hughes Branch Locations: 2 ATM Locations: 0 Corporate Office Address:
39 Wicklow Dr
Tabernacle, NJ 08088 8640 Phone Number: 609-268-9222 Fax Number: 609-268-7350 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About ENERGY PEOPLEIs a member application needed to join ENERGY PEOPLE?Yes, to access services at ENERGY PEOPLE, a member application is required. Is there a first-time homebuyer program?Currently, ENERGY PEOPLE provides a range of mortgage and home equity products. Is ENERGY PEOPLE a safe place to deposit money?Yes, ENERGY PEOPLE is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does ENERGY PEOPLE offer online and mobile banking?Most modern institutions like ENERGY PEOPLE provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.90%, 6-month CD rates at 0.40% and 3-month CD rates at 3.50%. Savings rates are at 0.20% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.91%. Credit Card rates are at 18.00%. Personal Loan rates are at 11.24%. All these rates, and more, can be found in our database of rates which you can compare to 
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