Energy People Federal Credit Union
Headquarters
Po Box 279
Medford, NJ 08055
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2024 Overview
General Credit Union Information
Energy People is an NCUA insured institution located in Medford, NJ. It was founded in 1960 and has approximately $18.63 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 13729 |
| Date Established | 1960 |
| Assets | $18.63 million |
| Loans | $15.56 million |
| Deposits | $15.32 million |
| Capital | $3.29 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 - November 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
Loan Rates - November 24, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.956% | 6.875% | 0.63 | $2,642 | $2,103 | Learn More |
NMLS ID: 1907 |
7.080% | 7.000% | 0.88 | $2,602 | $2,129 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 3029 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Energy People
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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:
Columbus,Ohio
Energy People Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 437.59 | A | View Lobby Hours |
Climate Policy and Initiatives
ENERGY PEOPLE 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 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 |
|---|---|
| 2.50% | 5.83 |
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 June 30, 2024, Energy People had $83,998 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,293,235 in net worth and $61,628 in loans loss reserves. That gives it a Texas Ratio of 2.50%.
Net Worth
| Energy People | U.S. Average |
|---|---|
| 17.68% | 13.93% |
Energy People FCU has a net worth of 17.68% versus the BestCashCow average of 13.93. 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 People
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