Energy Credit Union

Policies & Disclosures

Policies & Disclosures

For your convenience, this page contains information on Energy Credit Union’s policies and fees. You will need Adobe Acrobat to view some documents. Visit Adobe’s Web site to get Acrobat.

Privacy Policy

Energy Credit Union is committed to protecting your privacy. Please review our Privacy Policy.

Funds Availability Policy

Check our Funds Availability Policy.

Fee Schedule

Review our Schedule of Fees.

Truth in Savings

To learn about your rights and responsibilities regarding deposit accounts, read our Truth in Savings disclosure statement.

FACT Act Disclosure

The Fair and Accurate Credit Transactions (FACT) Act enhances the ability of consumers to combat identity theft, increases the accuracy of consumer reports, and allows consumers to exercise greater control regarding the type and amount of marketing solicitations they receive. Learn more.

Electronic Funds Transfer Disclosure

Check our Electronic Funds Transfer Disclosure.

ATM/Debit MasterCard® Application

View our ATM/Debit MasterCard® Application.

Membership and Account Agreement

Review our Membership and Account Agreement.

18/65 Law

If you are 65 years of age or older or 18 years of age or younger, you may be effected by the Massachusetts legislation referred to as the 18/65 law, Chapter 230 of the acts of the 1984 General Laws of the Commonwealth of Massachusetts. Learn More.

Customer Identification Program

Under the Section 326 of the USA PATRIOT Act (which aims to protect our country’s financial system from money laundering and terrorist financing and to protect consumers against fraud, including identity theft), credit unions must implement a Customer Identification Program (CIP) to obtain and verify certain kinds of identifying information from anyone opening an account. Credit unions must apply the CIP to each person who establishes a new account, including members, joint accountholders and co-borrowers. To comply with the Act, we obtain and verify four items of information from each new member, including name, date of birth, address and an identification number, such as a social security number.