Credit union · NCUA insured
Energy Credit Union Savings Rates
Top CarrotEnergy Credit Union’s best savings rate is 0.15% APY on $10,000, with its Share Savings. Rates checked October 15, 2026.
How Energy Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Energy Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Energy Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Share Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Energy Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Energy Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Savings
0.15%APY
Tiered dividends based on the balance at the end of the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 – $20,000 | 0.15% | $15 |
| $20,000 – $30,000 | 0.20% | — |
| $30,000 and up | 0.25% | — |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
NexGen Kids
5.00%APY
For kids age 0–13. Both parent and child must meet qualifications for membership. Account must be opened in person with a parent/legal guardian as joint signer. Requires a $10 share deposit. Balances over $500 earn the regular savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Promotional 5.00% APY on the first $500.Up to $500 | 5.00% | — | Promotional 5.00% APY on the first $500. |
Sources (1)
- energycreditunion.org/nexgen-youth-accounts · captured Sep 18, 2026
NexGen Teens
5.00%APY
For teenagers age 14–18. Both parent and teenager must meet requirements for membership. Account must be opened in person with a parent/legal guardian as co-signer. Requires a $10 share deposit. Balances over $500 earn the regular savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Promotional 5.00% APY on the first $500.Up to $500 | 5.00% | — | Promotional 5.00% APY on the first $500. |
Sources (1)
- energycreditunion.org/nexgen-youth-accounts · captured Sep 18, 2026
IRA Shares
0.15%APY
Energy Credit Union offers Traditional and Roth IRAs, as well as Coverdell Education Savings Accounts (ESAs). No annual fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 – $20,000 | 0.15% | $15 |
| $20,000 – $30,000 | 0.20% | — |
| $30,000 and up | 0.25% | — |
Sources (2)
All captured Sep 18, 2026
Holiday Club
0.10%APY
Open account at any time. Contributions are transferred to share savings account in October. Early withdrawals are not permitted. Minimum balance of $10 is required to earn the advertised APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance of $10 is required to earn the advertised APY.$10 and up | 0.10% | $10 | Minimum balance of $10 is required to earn the advertised APY. |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.10%APY
Open account at any time with no minimum deposit. Contributions are transferred to share savings account in June. Restrictions on withdrawals before June. Minimum balance of $10 is required to earn the advertised APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance of $10 is required to earn the advertised APY.$10 and up | 0.10% | $10 | Minimum balance of $10 is required to earn the advertised APY. |
Sources (2)
All captured Sep 18, 2026
Who can join Energy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in certain communities within Norfolk, Suffolk, Middlesex, and Essex counties.
Employers and groups
- Membership is open to employees and retirees of National Grid New England.
Family and household
- Membership is open to family members of eligible individuals.
Cost to join
- A share savings account deposit of $10 or more is required to join.
Membership information collected October 5, 2026.