For your convenience, this page contains information on Energy Credit Union’s policies and fees. You will need Adobe Acrobat to view some documents.
Energy Credit Union is committed to protecting your privacy.
Schedule of Fees
Available via Energy@Home or call the credit union.
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.
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.
A financial institution will have, or already has, a relationship with you. You may go to your neighborhood bank, a major national financial conglomerate, or a credit union.
Some of the most crucial details will aid in the acquisition of an ideal insurance coverage. We’ve compiled a policy overview that may be of use to you.
Lenders want to know that you can pay the monthly payments, plus interest and insurance. If you can show proof of debt management and affordability, you’ll have a far better chance of getting authorized, even if you have a bad credit score.
Not everyone you meet will be there for you through all of life’s ups and downs. However, you will have a small group of friends who will support you in your failures and lead you through difficult moments.