Energy Plus Credit Union Indianapolis IN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Energy Plus, your trusted partner in financial wellness! Located at 1230 W Morris St, Indianapolis, IN 46221, our credit union has been serving the community since 1925. With a strong commitment to our members and a growing family of 3,972 individuals, we focus on providing personalized banking solutions that meet your unique needs. At Energy Plus, we understand that each member's financial journey is different. That's why we proudly offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. Our total assets of $45,175,839 reflect the trust our members place in us and highlight our stability as a financial institution. With $1,122,433 in total deposits and a net worth of $6,847,780, we prioritize the security and growth of your funds. Our dedicated team of 14 employees, led by CEO Cari Palmer and Board President Sara Mamuska Morris, is here to support you every step of the way. Whether you're looking for assistance with online banking or seeking advice on loan options our friendly staff is ready to help. While you can always visit us at our branch location for your banking needs, official correspondence can be sent to the same address: 1230 W Morris St, Indianapolis, IN 46221-1710. We invite you to explore all that Energy Plus has to offer by visiting our website at www.energypluscu.org or by calling us at 317-261-8521. Together, let's achieve your financial goals!

Branch History & Mission

Welcome to Energy Plus, a credit union with a rich history and a steadfast commitment to our community. Established in 1925, our branch has been proudly serving the residents of Indianapolis, Indiana for nearly a century. Located at 1230 W Morris St, we are nestled in the heart of Marion County, making us accessible for those seeking reliable financial services. Over the years, Energy Plus has experienced significant growth, currently boasting a membership of 3,972 individuals who trust us with their financial needs. Our total assets have reached an impressive $45,175,839, reflecting our strong foundation and the confidence our members place in us. As we continue to evolve, we remain dedicated to providing exceptional services that cater to the diverse needs of our community. At Energy Plus, our mission is simple yet powerful: we aim to empower our members by providing personalized financial solutions while fostering a spirit of community support. We believe that everyone deserves access to quality banking services without barriers. This commitment drives us to ensure that our offerings from personal banking and auto loans to mortgage refinancing are designed with you in mind. While members can visit us at 1230 W Morris St, official correspondence should be sent to 1230 W Morris St, Indianapolis, IN 46221-1710. We offer convenient operating hours: Monday, Tuesday, and Thursday from 7:30 AM to 4:15 PM; Wednesday from 11:30 AM to 4:15 PM; and Friday from 7:30 AM to 4:00 PM. Our dedicated team is always ready to assist you over the phone at 317-261-8521. Energy Plus is not just about transactions; it's about building relationships. We are proud of our shared service center that allows members of partner credit unions access to basic banking transactions like deposits and withdrawals. We strive for accessibility by ensuring ADA compliance throughout our operations. As we look ahead, we are excited about enhancing our digital offerings such as online banking and mobile payments. These advancements enable us to serve you better while maintaining the personal touch that defines Energy Plus. Join us on this journey as we continue to support each other and grow together. Experience the benefits of being part of Energy Plus where your financial future matters!

Branch Location & Accessibility

Banking Hours That Fit Your Schedule

Our friendly team is here to assist you during convenient hours: we're open Monday, Tuesday, and Thursday from 7:30 AM to 4:15 PM, with extended hours on Wednesdays starting at 11:30 AM until 4:15 PM, and wrapping up early on Fridays at 4:00 PM. This flexibility ensures that whether you're stopping by before work or after hours, we're here for you.

Convenient Access and Parking

We understand that accessibility matters, which is why our branch is designed with everyone in mind. We offer ample parking right outside our doors, ensuring that you can visit us without worrying about finding a spot. Our location is compliant with ADA standards, featuring ramps and accessible entrances for your convenience.

Get in Touch!

If you have questions or need assistance, don't hesitate to give us a call at 317-261-8521. Our dedicated staff is ready to help you navigate your financial journey. While members can visit us at our branch address, please note that official correspondence should be sent to our mailing address: 1230 W Morris St, Indianapolis, IN 46221-1710. We invite you to stop by and experience the welcoming atmosphere at Energy Plus! Whether you're a long-time member or looking to join us for the first time, we look forward to serving you soon!

Services Tailored for You

At Energy Plus, we pride ourselves on offering a range of services that cater to your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we have options to help you manage your finances effectively. We also provide shared services for partner credit union members for basic transactions like deposits and withdrawals.

Member Eligibility

Becoming a member of Energy Plus is like joining a close-knit community where your financial well-being is our priority. We welcome individuals who live, work, worship, or attend school in the area, as well as their family members. This means that if you have a connection to our community, you're likely eligible to enjoy the many benefits we offer, such as competitive loan rates and personalized service. To find out all the details about eligibility, feel free to visit our website at . Opening an account with us is straightforward and welcoming! You can start your journey toward membership by reaching out at (317) 261-8521 or visiting us at 1230 W Morris St Indianapolis In 46221. Our friendly staff is ready to assist you with any questions and guide you through the easy process of setting up your account. We're excited to help you become part of the Energy Plus family!

Business Banking & Commercial Services

Merchant Services

In addition to loan options, we offer merchant services designed to simplify your transactions and enhance customer satisfaction. Imagine having a seamless payment solution that allows you to focus more on serving your customers and less on managing payments. With our tools, accepting payments becomes easier than ever, letting you build stronger relationships with your clients. Ready to take your business to the next level? Visit us at 1230 W Morris St Indianapolis In 46221 in Indianapolis, or give us a call at (317) 261-8521. Let's work together for your success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no outstanding commercial loans, our focus is on creating opportunities for future growth. For those looking for flexible financing solutions, we're here to help navigate your options when the time comes. When you become part of our community, you gain access to member-exclusive benefits that can set your business apart.

Comprehensive List Of Services

Business Banking Solutions

For our entrepreneurial members, we offer tailored business banking services. Our merchant services and business loans provide the financial support needed to grow your business efficiently.

Digital Banking Convenience

In today's fast-paced world, convenience matters. With our robust online and mobile banking platforms, you can access your accounts anytime, anywhere. You can easily transfer money between accounts, pay bills, and even send money to friends or family using our person-to-person payment service.

Loans Made Easy

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options are designed to give you flexibility when you need it most. Additionally, if you're looking for a way to reward yourself while managing your spending, consider our credit cards with rewards that allow you to earn benefits with every purchase.

Personal Banking

We understand that everyone has different banking needs. That's why we offer various personal banking options including checking and savings accounts that help you keep track of your money while earning interest. For those considering buying a vehicle, our auto loans and vehicle financing make it easy to get behind the wheel without breaking the bank. If homeownership is on your mind, our mortgage loans and refinancing services can guide you through securing the perfect loan for your dream home.

Shared Branching

Need cash? While we don't have ATMs at our branch, we do participate in shared branching networks. This means you can perform basic transactions like deposits and withdrawals at partner credit unions without any hassle. If you want personalized assistance or have questions about our services, feel free to reach out! You can contact us at (317) 261-8521 during our operating hours: 7:30 AM - 4:15 PM on Monday, Tuesday, Thursday; 11:30 AM - 4:15 PM on Wednesday; and 7:30 AM - 4:00 PM on Friday. Experience the ease and accessibility of banking with us at Energy Plus where member satisfaction is our top priority! We invite you to explore all that we offer by visiting us online at Main Office.

Digital & Online Banking

Key Features for Your Convenience

With our mobile application, you have the power of banking right in your pocket. Need to send money to a friend? Our person-to-person transfer feature lets you do that quickly and securely, making it easier than ever to split expenses or lend a hand. Plus, if you're always on the move, our mobile payments feature allows you to pay directly from your phone without fumbling for cash or cards. For those who prefer paperless options, we offer e-statements that are not only eco-friendly but also provide a simple way to keep track of your finances. With electronic statements, you'll receive notifications when your new statement is ready, ensuring you stay informed about your account activity.

Security You Can Trust

Security is our top priority. You can rest assured knowing that your information is protected with advanced security measures. While we don't currently support electronic signature authorization, we strive to keep all transactions safe and secure. At Energy Plus, we're dedicated to providing a user-friendly experience that fits into your lifestyle. With real-time account management and the flexibility of online banking services available anytime you need them, handling your finances has never been easier. Join us today and discover how convenient banking can be!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 7,160, showing a strong and growing member base that trusts us with their finances. This growth indicates not just our reliability but also the confidence our members have in us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Energy Plus is your trusted partner. Visit us at 1230 W Morris St Indianapolis In 46221 or call (317) 261-8521 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Investing Back into the Community

With $6,422,364 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our diverse lending capacity; we offer $1,159 in used auto loans and $31,203,875 in total loans and leases to support your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $10,435,243 in share certificates and $1,606,705 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $369,734 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $6,847,780, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,514 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,313,064 in used vehicle loans and $5,355,320 in new vehicle loans already helping members get on the road. Whether you're considering financing a new or used vehicle, our dedicated team is here to guide you through the process.

Credit Lines and Unsecured Credit Cards

In addition to traditional loans, we provide flexible credit lines totaling $2,460,000 to help manage unexpected expenses or fund special projects. We also offer flexible terms on unsecured credit card loans, with a total of $1,911,454 in loans helping members manage their finances effectively. This way, you can take control of your spending while enjoying valuable rewards.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $7,838,169, making buying or refinancing simple. We offer competitive rates and terms that can fit your budget. Our knowledgeable staff can help you explore all available options so you can find the right solution for your needs.

Refinancing Options

If you're considering refinancing any existing loans to secure better terms or lower your monthly payments, our team is ready to assist you with this process as well. We want to ensure that you have access to the best possible solutions for your financial situation. To learn more about how our loan offerings can benefit you or if you have questions about eligibility and application processes, please contact us at 317-261-8521. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're looking for an auto loan, mortgage financing, or personal credit options Energy Plus is here to support your financial aspirations. Visit us today!

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ENERGY PLUS CREDIT UNION