Credit union · NCUA insured
Energy People FCU
A $18.2M credit union headquartered in Tabernacle, NJ, with 1,082 members and 3 branches in New Jersey. Best rates: CDs 4.34% and savings 0.40% APY.
Energy People FCU Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#100 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Energy People FCU
Founded in 1960 by employees of Public Service Electric and Gas (PSE&G) in Moorestown, Energy People Federal Credit Union is a member-owned financial cooperative.
Energy People serves active and retired employees of PSE&G and their families across all PSE&G locations.
- Headquarters
- 39 Wicklow Dr, Tabernacle, NJ 08088-8640
- NCUA charter
- 13729
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active and retired employees of PSE&G are eligible for membership.
Family and household
- Families and relatives (direct family members) of active and retired PSE&G employees are eligible for membership.
Branches
3 branches in New Jersey
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New Jersey
3 branches
- MainMain office39 Wicklow Dr, Tabernacle, NJ 08088Directions
- Moorestown300 New Albany Rd, Moorestown, NJ 08057Directions
- Hughes Jr15 Grande BLvd, Tabernacle, NJ 08088Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.48% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.14% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $94 | $59 | — |
- CapitalNet worth ratio18.48%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.14%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$94Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Energy People FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.