What are the current interest rates at ENERGY PEOPLE?

Current rates for ENERGY PEOPLE include: 12-Month CD: 2.25%, 24-Month CD: 2.00%, 60-Month CD: 1.50%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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ENERGY PEOPLE

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ENERGY PEOPLE Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

ENERGY PEOPLE's top rates as of October 10, 2026 are 4.25% APY on its 12 Month Jumbo CD Specials, and personal loans from 10.50% APR, according to rates verified by MonitorBankRates. Other ENERGY PEOPLE CD rates include 12 Month Jumbo CD Specials at 4.00%, 12 Month Jumbo CD Specials at 3.75%, and 12 Month Jumbo CD Specials at 3.50%. MonitorBankRates evaluates the financial stability of ENERGY PEOPLE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

ENERGY PEOPLE
Main

39 Wicklow Dr
Tabernacle, NJ 08088-8640

http://energypeoplefcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

ENERGY PEOPLE CD Rates

Product	Rate	APY	Term
12 Month Jumbo CD Specials	-	4.25%	12 Month
Min Deposit $200,000 Details Balance: $200,000.00 over Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 10, 20264.25%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Jumbo CD Specials	-	4.00%	12 Month
Min Deposit $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Jumbo CD Specials	-	3.75%	12 Month
Min Deposit $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Jumbo CD Specials	-	3.50%	12 Month
Min Deposit $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Share Certificate	-	3.00%	12 Months
Min Balance $25,000 Details Balance: $25,000.00 and $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 10, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Share Certificate	-	3.00%	24 Months
Min Balance $25,000 Details Balance: $25,000.00 and $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50% Oct 10, 20263.00%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Share Certificate	-	2.75%	12 Months
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50% Oct 10, 20262.75%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Share Certificate	-	2.50%	24 Months
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 10, 20262.50%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 Month Share Certificate	-	2.50%	36 Months
Min Balance $25,000 Details Balance: $25,000.00 and $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 10, 20262.50%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Share Certificate	-	2.50%	6 Months
Min Balance $25,000 Details Balance: $25,000.00 and $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 10, 20262.50%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Share Certificate	-	2.25%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 10, 20262.25%▲ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 Month Share Certificate	-	2.25%	36 Months
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 10, 20262.25%▲ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 Month Share Certificate	-	2.25%	48 Months
Min Balance $25,000 Details Balance: $25,000.00 and $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 10, 20262.25%▲ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Share Certificate	-	2.25%	6 Months
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 10, 20262.25%▲ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 Month Share Certificate	-	2.25%	60 Months
Min Balance $25,000 Details Balance: $25,000.00 and $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 10, 20262.25%▲ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Share Certificate	-	2.00%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75% Oct 10, 20262.00%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 Month Share Certificate	-	2.00%	48 Months
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75% Oct 10, 20262.00%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 Month Share Certificate	-	2.00%	60 Months
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75% Oct 10, 20262.00%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 Month Share Certificate	-	1.75%	36 Months
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 10, 20261.75%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Share Certificate	-	1.75%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 10, 20261.75%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 Month Share Certificate	-	1.50%	48 Months
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25% Oct 10, 20261.50%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 Month Share Certificate	-	1.50%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25% Oct 10, 20261.50%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ENERGY PEOPLE Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto / Motorcycle	-	-	3.99%	Up to 48 Months
Details Credit Report Score: 725 and above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	4.25%	60 to 72 Months
Details Credit Report Score: 725 and above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	4.50%	Up to 48 Months
Details Credit Report Score: 724 - 650 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	4.75%	60 to 72 Months
Details Credit Report Score: 724 - 650 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2026	-	-	4.75%	72 Months
Details Credit Report Score: 725 and above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	5.00%	84 Months
Details Credit Report Score: 725 and above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2026	-	-	5.25%	72 Months
Details Credit Report Score: 724-650 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	5.50%	84 Months
Details Credit Report Score: 724 - 650 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2022 - 2025	-	-	5.50%	72 Months
Details Credit Report Score: 725 and above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	6.00%	Up to 48 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2022 - 2025	-	-	6.00%	72 Months
Details Credit Report Score: 724-650 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	6.25%	60 to 72 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2019 - 2021	-	-	6.50%	60 Months
Details Credit Report Score: 725 and above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2026	-	-	6.75%	72 Months
Details Credit Report Score: 649-575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	7.00%	84 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2019 - 2021	-	-	7.00%	60 Months
Details Credit Report Score: 724-650 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	7.50%	Up to 48 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2022 - 2025	-	-	7.50%	72 Months
Details Credit Report Score: 649-575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	7.75%	60 to 72 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2026	-	-	8.25%	72 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto / Motorcycle	-	-	8.50%	84 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2019 - 2021	-	-	8.50%	60 Months
Details Credit Report Score: 649-575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2018 - Older	-	-	8.75%	48 Months
Details Credit Report Score: 725 and above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2022 - 2025	-	-	9.00%	72 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2018 - Older	-	-	9.25%	48 Months
Details Credit Report Score: 724-650 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2019 - 2021	-	-	10.00%	60 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2018 - Older	-	-	10.75%	48 Months
Details Credit Report Score: 649-575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto / Motorcycle - 2018 - Older	-	-	12.25%	48 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ENERGY PEOPLE RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicle (Boat, Travel Park Trailers) - Up to 72 Months Loan	-	6.25%	Up to 72 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 84 Months Loan	-	6.75%	84 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2026 Loan	-	6.75%	72 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2022 - 2025 Loan	-	7.00%	72 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2019 - 2021 Loan	-	7.50%	60 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 96 Months Loan	-	7.75%	96 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - Up to 72 Months Loan	-	7.75%	Up to 72 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 84 Months Loan	-	8.25%	84 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2026 Loan	-	8.25%	72 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2022 - 2025 Loan	-	8.50%	72 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2019 - 2021 Loan	-	9.00%	60 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 120 Months Loan	-	9.25%	120 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 96 Months Loan	-	9.25%	96 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - Up to 72 Months Loan	-	9.25%	Up to 72 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2018 - Older Loan	-	9.25%	48 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 84 Months Loan	-	9.75%	84 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2026 Loan	-	9.75%	72 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2022 - 2025 Loan	-	10.00%	72 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2019 - 2021 Loan	-	10.50%	60 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 120 Months Loan	-	10.75%	120 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 96 Months Loan	-	10.75%	96 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2018 - Older Loan	-	10.75%	48 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Recreational Vehicle (Boat, Travel Park Trailers) - 120 Months Loan	-	12.25%	120 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Recreational Vehicle (Boat, Travel Park Trailers) - 2018 - Older Loan	-	12.25%	48 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ENERGY PEOPLE Personal Loan Rates

Product	APR	Term
Unsecured Loans	10.50%	Up to 24 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	11.50%	36 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	12.00%	Up to 24 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	12.50%	48 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	13.00%	36 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	13.50%	Up to 24 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	13.50%	60 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	14.00%	48 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 14.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	14.50%	36 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 14.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	15.00%	60 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 15.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	15.50%	48 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 15.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loans	16.50%	60 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 16.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ENERGY PEOPLE Other Rates

Product	Rate	Points	APY/APR	Term
Flex Loan	-	-	17.00%	1 - 12 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Holiday / Vacation Loan	-	-	13.00%	Up to 12 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Holiday / Vacation Loan	-	-	14.50%	Up to 12 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Holiday / Vacation Loan	-	-	16.00%	Up to 12 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Union Dues Loans - Up to 12 Months	-	-	12.00%	Up to 12 Months
Details Credit Report Score: 650 and Above Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Union Dues Loans - Up to 12 Months	-	-	13.50%	Up to 12 Months
Details Credit Report Score: 649 - 575 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Union Dues Loans - Up to 12 Months	-	-	15.00%	Up to 12 Months
Details Credit Report Score: 574 and Below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 15.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
IRA Accounts	-	-	1.00%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

ENERGY PEOPLE’s Texas Ratio stayed near 0.06% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$18M	0.00%	5.0	A+
March 31, 2026	$18M	0.40%	5.0	A+
December 31, 2025	$18M	1.36%	5.0	A+
September 30, 2025	$18M	0.38%	5.0	A+
June 30, 2025	$19M	0.06%	5.0	A+
March 31, 2025	$18M	0.00%	5.0	A+
December 31, 2024	$19M	0.00%	5.0	A+
September 30, 2024	$19M	0.20%	5.0	A+
June 30, 2024	$19M	0.09%	5.0	A+
March 31, 2024	$19M	0.05%	5.0	A+
December 31, 2023	$19M	0.61%	5.0	A+
September 30, 2023	$19M	0.06%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

0.0686%

Return on Equity (ROE)

0.3712%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

18,095,472

Total Amount of Shares and Deposits

14,747,622

Total Shares and Deposits < 1 Year

14,354,660

Total Shares and Deposits 1 3 Years

392,962

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

493,693

Total Uninsured Shares and Deposits > $250K (F+J)

493,693

Total Insured Shares and Deposits > $250K (item 17 less item K)

14,253,929

Total Interest Expense (Sum of items 6 8)

132,907

Share Certificates

113

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,539

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,314,703

Total Liabilities

14,751,494

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

ENERGY PEOPLE earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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☆☆☆☆☆

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Frequently Asked Questions About ENERGY PEOPLE

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.