Policies & Disclosures
For your convenience, this page contains information on Energy Credit Union’s policies and fees. You will need Adobe Acrobat to view some documents.
Privacy Policy
Energy Credit Union is committed to protecting your privacy.
Schedule of Fees
Available via Energy@Home or call the credit union.
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.
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.
Latest From Our Blog
Payclipper Loan Program Update
Just over a month ago, Energy Credit Union proudly launched the Payclipper Home Upgrade Loan Program, and in that short time, we’ve already seen remarkable engagement from our members.
Home Improvements on the Rise - and So Are Costs
If you're planning a home improvement project this year—whether it's upgrading your heating and cooling system, remodeling your kitchen or bath, or even just tackling long-overdue repairs—you may want to act sooner rather than later.
Savings Tips for College Students
College students need all the help they need when it comes to saving money. Who better to advise them than the pros at online tax preparation software company TaxSlayer.com?
Is it Possible to Buy a House with Bad Credit?
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.