Energy Plus Credit Union Rates and Review February 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.
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Energy Plus Credit Union's 9 month CDs rates are at 4.00%, 12 month CDs rates are at 3.90%, 15 month CDs rates are at 3.75%, 24 month CDs rates are at 3.65%, 30 month CDs rates are at 3.55%. Energy Plus Credit Union's money market rates are at 0.75%.
Energy Plus 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 Energy Plus Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Energy Plus Credit Union Texas RatioEnergy Plus Credit Union's Texas Ratio is at 1.46%, which is considered excellent. The Texas Ratio for Energy Plus Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Energy Plus Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Energy Plus Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Energy Plus Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Energy Plus Credit Union
Main Office 1230 W Morris St
Indianapolis, IN 46221 1710 
Energy Plus Credit Union CD Rates
Energy Plus Credit Union Savings Rates
Energy Plus Credit Union Money Market Rates
Energy Plus Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Energy Plus 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 Energy Plus 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 Energy Plus Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Energy Plus Credit Union
Website: https://www.energypluscu.org
Full Time Employees: 14Part Time Employees: 1 President: Sara Mamuska Morris CEO: Cari Palmer Branch Locations: 3 ATM Locations: 0 Corporate Office Address:
1230 W Morris St
Indianapolis, IN 46221 1710 Phone Number: 317-261-8521 Fax Number: 317-261-5480 FinancialsTotal Assets:
44,926,465
Total Amount of Shares and Deposits:
37,550,969
Total Shares and Deposits < 1 Year:
37,065,634
Total Shares and Deposits 1 3 Years:
440,521
Total Shares and Deposits > 3 Years:
44,814
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,134,057
Total Uninsured Shares and Deposits > $250K (F+J):
1,134,057
Total Insured Shares and Deposits > $250K (item 17 less item K):
36,416,912
Total Interest Expense (Sum of items 6 8):
426,488
Share Certificates:
432
Number of Accounts for Share Drafts:
2,060
Number of Accounts for Regular Shares:
4,534
Money Market Shares:
54
Net Income (unless the amount is already included in Undivided Earnings):
297,149
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
197,877
Total Liabilities:
37,839,326
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Energy Plus Credit UnionIs a member application needed to join Energy Plus Credit Union?Yes, to access services at Energy Plus Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Energy Plus Credit Union provides a range of mortgage and home equity products. Is Energy Plus Credit Union a safe place to deposit money?Yes, Energy Plus Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Energy Plus Credit Union offer online and mobile banking?Most modern institutions like Energy Plus Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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