Energy Plus Credit Union
Headquarters
1230 W Morris St
Indianapolis, IN 46221
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2024 Overview
General Credit Union Information
Energy Plus is an NCUA insured institution located in Indianapolis, IN. It was founded in 1925 and has approximately $39.99 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 65458 |
| Date Established | 1925 |
| Assets | $39.99 million |
| Loans | $29.17 million |
| Deposits | $33.08 million |
| Capital | $6.48 million |
Field of Membership Restrictions
Membership in Energy Plus Credit Union is open to the following: (1) those who live or work in Daviess, Hendricks, Johnson, Morgan, and Pike Counties in Indiana and select areas of Marion County; (2) employees of Citizens Energy Group & and of its wholly owned subsidiaries; (3) employees and retirees of Indiana Division of Wright Tree Service; (4) employees and retirees of Indianapolis Power & Light; (5) employees and retirees of American Security Inc.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.16% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.27% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.27% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.51% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.51% | $100,000 | $199,999 |
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|
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Energy Plus
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Energy Plus
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Branches
Below are Energy Plus 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:
Columbus,Ohio
Climate Policy and Initiatives
ENERGY PLUS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Energy Plus Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Energy Plus. 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 Plus | U.S. Average |
|---|---|
| 0.56% | 6.97 |
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, 2023, Energy Plus had $36,715 in non-current loans and $0 in owned assets. To cover these potential losses it had $6,478,046 in net worth and $94,112 in loans loss reserves. That gives it a Texas Ratio of 0.56%.
Net Worth
| Energy Plus | U.S. Average |
|---|---|
| 16.18% | 13.62% |
Energy Plus FCU has a net worth of 16.18% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Energy Plus
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