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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Energize Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 19, 2026
Energize Credit Union's 13-month CD special rates are at 4.47%, 36 Month CD 36 rates are at 3.91%, 24 Month CD 24 rates are at 3.75%, 12 Month CD 12 rates are at 3.65%, 6 Month CD 6 rates are at 3.55%. Energize Credit Union's savings rates are at 0.15%. Energize Credit Union's Personal Loan Rates are as low as 13.00%. MonitorBankRates evaluates the financial stability of Energize Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.30%. Rates last updated and verified on 10/19/2026. Energize Credit Union 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 Energize Credit Union? Share your experience about Energize Credit Union by leaving a review below, or read customer reviews before you decide to use Energize Credit Union. Energize Credit Union
ECU Office 2325 E I 44 Service Rd
https://www.energize.coop/ Oklahoma City, OK 73111-8219  Customer Reviews
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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. Energize Credit Union CD Rates
Energize Credit Union Savings Rates
Energize Credit Union Auto Loan Rates
Energize Credit Union Personal Loan Rates
Energize Credit Union Other Rates
Financial Health HistoryEnergize Credit Union’s Texas Ratio fell from 5.52% in Q3 2023 to 4.30% in Q2 2026, so its financial health has improved and is now 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Energize Credit Union 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 Energize Credit Union 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 Energize Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Energize Credit Union
Website
https://www.energize.coop/
Address
2325 E I 44 Service Rd,
Oklahoma City, OK 73111-8219
Phone
405-478-0046
Fax
405-478-1279
President
Jennifer Swift
CEO
Lisa Dailey
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.30%
Return on Assets (ROA)
0.2471%
Return on Equity (ROE)
1.7865%
Non-Performing Loans Ratio (NPL)
0.81%
Total Assets
25,384,675
Total Amount of Shares and Deposits
21,776,435
Total Shares and Deposits < 1 Year
17,531,734
Total Shares and Deposits 1 3 Years
4,244,701
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,791,246
Total Uninsured Shares and Deposits > $250K (F+J)
1,791,246
Total Insured Shares and Deposits > $250K (item 17 less item K)
19,985,189
Total Interest Expense (Sum of items 6 8)
138,798
Share Certificates
241
IRA KEOGH Accounts
11
Number of Accounts for Regular Shares
2,741
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)
2,824,282
Total Liabilities
21,873,943
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Energize Credit UnionDoes Energize Credit Union offer CDs?Yes. Energize Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Energize Credit Union NCUA insured?Yes. Energize Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Energize Credit Union?The highest CD rate MonitorBankRates has verified for Energize Credit Union is 4.47% APY on its 13-month CD special, as of October 19, 2026. What CD terms does Energize Credit Union offer?The Energize Credit Union CD terms we track include 6 month, 12 month, 13 month, 2 year and 3 year terms, with rates from 3.55% to 4.47% APY. The institution may offer other terms or specials that are not listed here, so check with Energize Credit Union for its full lineup. What is the highest savings rate at Energize Credit Union?The highest savings rate MonitorBankRates has verified for Energize Credit Union is 0.15% APY on its Savings, as of October 19, 2026. What is the lowest auto loan rate at Energize Credit Union?The lowest auto loan rate MonitorBankRates has verified for Energize Credit Union is 4.99% APR on its Autos, as of October 19, 2026. What is the lowest personal loan rate at Energize Credit Union?The lowest personal loan rate MonitorBankRates has verified for Energize Credit Union is 13.00% APR on its Signature Loan, as of October 19, 2026. How many branches does Energize Credit Union operate?Energize Credit Union 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 Energize Credit Union?Yes, to access services at Energize Credit Union, 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, Energize Credit Union 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, Energize Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Energize Credit Union offer online and mobile banking?Most modern institutions like Energize Credit Union 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: https://www.energize.coop/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Energize Credit Union rates compare?Energize Credit Union's top rates are 4.47% APY on its 13-month CD special, 0.15% APY on savings and personal loans from 13.00% APR, verified by MonitorBankRates on October 19, 2026. To compare Energize Credit Union with the top rates nationwide, see our best CD rates, best savings rates and best personal loan rates, updated daily from banks and credit unions across the country. Current Energize Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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