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.

New Account Brochure

Privacy Policy
Energy Credit Union is committed to protecting your privacy (page 22, Privacy Notice)
Funds Availability Policy (page 24)
Schedule of Fees (page23)
Truth in Savings
To learn about your rights and responsibilities regarding deposit accounts, read our Truth in Savings disclosure statement (page 29)
E-Sign Disclosure and Consent
View our E-Sign Disclosure and Consent.
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 (page 21)
Electronic Funds Transfer Disclosure (page 26)
ATM/Debit MasterCard® Application (page 7)
Membership and Account Agreement (page 10)
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 (page 21)
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.