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Energy

156 Spring St, West Roxbury, MA 02132
NCUA Insured4.4 (16 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1931

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

156 Spring St

West Roxbury, MA 02132

Service Area

This credit union is located in West Roxbury and serves members in the MA area. Currently serving 5,620 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.63%

Used Auto Loan

6.60%

Personal Loan

10.60%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MA

Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.4

16 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Paul M

Paul M

8 years ago

I've been an Energy Credit Union member for years and I've always received excellent service. Recently I took out an auto loan at a very competitive rate - 1.99% APR. I was able to finance it as a new auto despite it having ~4000 miles at time of purchase. Highly recommend Energy if you're in the market for an auto loan!

Ramiro Merello

Ramiro Merello

a year ago

They helped me with MA heat loan process, very straightforward. Would recommend going in person, had some trouble openning the account online. Everyone was super nice :)

Tonya Brooks

Tonya Brooks

8 years ago

This credit union has nice employees, however, there are just not enough locatiions or non-fee atms! Supposedly you can deposit at some SUM/NYCE atms but every one I've tried refused my cash deposits. Plus their atm is always broken so you have to wait until the credit union opens and drive all the way to W. Roxbury to make a deposit. Then suprise suprise a $25 NSF fee! A member service rep snidely suggested that I bank elsewhere if I needed more convenience. Well, I will have to because this lack of convenience is unacceptable! Do yourself a favor and avoid banking here! Pissed off customer

Rich D

Rich D

a year ago

I've banked with ECU for over 15 years now and can say it's an awesome bank. They've helped me out on many occasions and I don't see myself switching, ever.

Sasha DiMarsico

Sasha DiMarsico

3 years ago

Truly the most awful experience! They state it takes about 24 hours to get a loan! Lies! It took 1.5 weeks of every day calling and leaving VM/ emailing to get a response from them. They didn't provide any information of what documents were needed. I wasted almost 2 weeks on them. The worst customer service experience.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).