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Overview / Commentary
18540 Northwest Fwy
Houston, TX 77065

Energy Capital Credit Union is headquartered in Houston and is the 77th largest credit union in the state of Texas. It is also the 919th largest credit union in the nation. It was established in 1935 and as of December of 2016, it had grown to 44 employees and 17,070 members at 3 locations. Energy Capital Credit Union has a B+ health rating.

Field of Membership Restrictions

Energy Capitol Credit Union of Texas is open to the residents of these qualified counties: Montogomery and Harris or within 10-miles of any branch office in any direction, employees of the partner companies listed on the credit union website and the family members of current credit union members.
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Health Grade Components

NCUA #61936
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.96%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$228.0MM$225.5MM
LoansQ4 2016vs Q4 2015$166.5MM$151.5MM
DepositsQ4 2016vs Q4 2015$207.7MM$206.2MM
Equity CapitalQ4 2016vs Q4 2015$18.5MM$18.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$963.00K$548.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.4MM$900.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$62.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Energy Capital Credit Union Savings Account Rates

0.15%*$50k*-Regular Share Account
OTHER TIERS: 0.05% $100 - $25k | 0.10% $25k - $50k
0.05%$100-Secondary Savings Account
0.05%--Financial Wizards Account
0.05%$100-Indirect Shares

Energy Capital Credit Union Money Market Rates

0.20%*$50k*-Hi Yield Money Market Account
OTHER TIERS: 0.05% $2,500 - $25k | 0.15% $25k - $50k

Energy Capital Credit Union Checking Account Rates

0.06%$1k-Interest Checking Variable Checking Account
0.06%$5k-Business Interest Checking Account

Energy Capital Credit Union CD Rates

1.50%$1k-60 Month CD
1.20%$1k-48 Month CD
0.80%$1k-36 Month CD
0.65%$1k-24 Month CD
0.55%$1k-24 Month Rising Rate CD - New Money
0.45%$1k-12 Month CD
0.45%$1k-24 Month Rising Rate CD
0.30%$1k-6 Month CD
0.25%$50k-90 Day Mini Jumbo CD

Energy Capital Credit Union Locations
Branch Office18540 Northwest FwyHouston, TX 77065
Branch OfficeNature 2 Bldg LL B250 22777 Springwoods Village PkwySpring, TX 77389-1425
Branch Office24396 I-45 NorthSpring, TX 77386