Credit union · NCUA insured
Energy People FCU Savings Rates
Energy People FCU’s best savings rate is 0.40% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How Energy People FCU’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Energy People FCU has the most branches. $10,000, best rate first.
This credit union’s best
Energy People FCU
0.40%APY
- Requires
- None
- Minimum
- $150
- Earns on $10,000 a year
- $40
Share Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Energy People FCU savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.40%
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 People FCU 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 Account
0.40%APY
First step to membership is opening a Savings Account with a $200.00 deposit (or $150.00 minimum opening deposit per Truth-In-Savings). Must maintain a minimum daily balance of $150.00 to obtain disclosed APY. If not on payroll or do not have a loan, must keep a minimum of $200.00 to keep account open. Dividends compounded daily, credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $10,000 | 0.15% | — |
| $10,000 – $50,000 | 0.40% | $40 |
| $50,000 – $100,000 | 0.75% | — |
| $100,000 and up | 1.00% | — |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Savings Account
1.00%APY
Offers Traditional IRA, Roth IRA, and Coverdell Educational IRA options. No minimum balance requirements apply. Dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirements apply.Any balance | 1.00% | $100 | No minimum balance requirements apply. |
Sources (4)
- energypeoplefcu.com
- energypeoplefcu.com/accounts
- energypeoplefcu.com/truth-in-savings
- energypeoplefcu.com/rates
All captured Sep 19, 2026
Who can join Energy People FCU
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.
Membership information collected October 5, 2026.