Energy Credit Union

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A short history of Energy CU

Since its inception in 1931 the Energy Credit Union has been serving its members in the WEST ROXBURY, Massachusetts area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Paul Noce, the Energy CU has grown its membership to over 4,302 with assets of more than $82,353,250. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (617) 325-1999 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WEST ROXBURY, MA.

General Information For Energy CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 66369
Address 156 SPRING ST 
State Massachusetts 
Zip-Code 02132
Phone Number (617) 325-1999
Fax Number (617) 325-1993
Email Address:
CEO/President Paul Noce
Members 4,302 
Full-Time Employees 12 
Part-Time Employees
Number of Branch Offices
Total Assets 82,353,250 

Compare Energy Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
One Twenty CU 120 Credit Union 4192 Washington St 02130 (617) 257-8621 No 2.06
Dedham Town Employees CU DTEFCU 202 BUSSEY ST 02026 (781) 326-8068 No 2.08
Direct CU Main Branch 50 Cabot St 02494 (781) 433-2900 No 3.25
Brookline Municipal CU BROOKLINE MUNICIPAL CREDIT UNION 334 WASHINGTON ST 02445 (617) 232-9410 No 4.42
City Of Boston CU CANTON 305 Turnpike St 02021 (781) 828-1444 No 4.63

Energy Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Energy Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 2.43 4.06 4.04 3.58
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 75 210 144 60
Rank Among All Massachusetts Credit Unions N/A 21 47 36 10

Energy Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.22 N/A 1.12 0.98
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 104 N/A 149 163
Rank Among All Massachusetts Credit Unions 10 13 N/A 23 26
Energy Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 9.0807524,374,844
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.250952,651,225
New Vehicle Loans 2.4302154,363,397
Used Vehicle Loans 4.0602042,286,989
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.04016929,170,305
Total Other Real Estate Loans/Lines of Credit 3.5801794,404,482
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.210839,099
TOTAL LOANS & LEASES 1,62247,290,341

Energy Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 8218,361,622144,258,100
    b. 15 Years or less 514,192,5001240,000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 366,616,18300


Closed-End Fixed Rate 44925,7625235,000
Closed-End Adjustable Rate 1353,478,720151,201,000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 34833,574,787355,934,100


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Energy Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes