Energy People

Headquarters

Po Box 279
Medford, NJ 08055
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.66% →
1-Year CD 0.60% 0.67% →
2-Year CD 1.25% 0.75% →
5-Year CD 1.25% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Energy People is an NCUA insured institution located in Medford, NJ. It was founded in 1960 and has approximately $17.3 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 13729
Date Established 1960
Assets $17.30 million
Loans $13.82 million
Deposits $14.11 million
Capital $3.18 million
 

Field of Membership Restrictions

Your Energy People Federal Credit Union proudly serves active and retired employees of PSE&G, their families, and relatives with a wide array of financial services.

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
1.10% $10,000 $14,999 Learn More
24 Mo CD
1.25% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ENERGY PEOPLE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.790% 2.750% 0.50 $1,290 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.775% 2.750% 0.38 $808 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to ENERGY PEOPLE
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Energy People branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Energy People Locations


Financial Details

Energy People Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Energy People. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Energy People U.S. Average
0.39% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Energy People had $12,838 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,183,358 in net worth and $95,320 in loans loss reserves. That gives it a Texas Ratio of 0.39%.

Net Worth
Energy People U.S. Average
18.39% 12.67%

Energy People FCU has a net worth of 18.39% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Energy People

Branches and Savings

What is Energy People?

A federal credit union, registered with the NCUA under certificate #13729.
Learn more about credit unions here.

Is Energy People FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Energy People is insured by the NCUA.

Who can join Energy People?

Please see Field of Membership information above for information on who is eligible to join.

What are Energy People's share account and share certificate rates?

Energy People's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Energy People?

Energy People has total capital of $3.18 million. Full information on Energy People's financial position is located above.

Who owns Energy People?

Credit Unions are owned by their members.

Where are Energy People branches located?

See branch locations nearby.

Are Energy People ATMs Open 24/7?

Do Energy People ATMs accept cash deposits?

Can Energy People customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Energy People have a mobile app?

Does Energy People have mobile deposit?

Does Energy People have quick pay?

How can Energy People transfer money to other banks or credit unions?

Does Energy People report to credit bureaus?

Does Energy People use Chexsystems?

Does Energy People use Equifax?

What is Energy People's toll free phone number?

What is Energy People's ACH Routing Number?

What is Energy People's SWIFT code?

Where can I find Energy People's wire transfer form?

What is the Energy People address for deposits?

What Products Does Energy People Offer

Does Energy People offer mortgages?

Compare mortgage rates here.

Does Energy People offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Energy People offer auto and RV loans?

Compare auto loan rates here.

Does Energy People offer student loans or personal loans?

Compare personal loan rates here.

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