Energy Capital Credit Union


Overview / Commentary
832-604-4848
18540 Northwest Fwy
Houston, TX 77065

Energy Capital Credit Union is headquartered in Houston and is the 89th largest credit union in the state of Texas. It is also the 1,114th largest credit union in the nation. It was established in 1935 and as of June of 2021, it had grown to 44 employees and 17,613 members at 3 locations. Energy Capital Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Energy Capitol Credit Union is open to those who live in the Texas counties of Harris or Montogomery. As stated on the online application, individuals who live, work, or worship in 44 different Zip Codes in Harris and Montgomery Counties also qualify for membership. Employees/contractors of 18 Houston area businesses (including ExxonMobile) are eligible to join.
See current membership details

Related Posts

Energy Capital Credit Union (TX) Boosts Long-Term CD Rates - 9/24/2021

Energy Capital Credit Union (Houston, Texas area) has substantially raised the rates of its 36-month and 60-month CDs. $1k minimum deposit, with no stated balance cap.

Energy Capital Credit Union (TX) Boosts 12-Month CD Rate - 7/5/2021

Energy Capital Credit Union (Houston, TX area) has boosted the rate on its 12-month CD by 80 bps. Minimum opening deposit is $1k, with no stated balance cap.

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Health

Health Grade Components

Overall
NCUA #61936
Year Chartered1935
Employees44
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD7.79%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$237.2MM$228.4MM
LoansQ2 2021vs Q2 2020$195.5MM$173.9MM
DepositsQ2 2021vs Q2 2020$211.1MM$203.8MM
Equity CapitalQ2 2021vs Q2 2020$23.9MM$22.7MM
Loan Loss AllowanceQ2 2021vs Q2 2020$1.1MM$1.0MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$1.3MM$1.5MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Energy Capital Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.07%*$10k*-Regular Share Account
OTHER TIERS: 0.05% $100 - $10k
0.05%$100-Secondary Savings Account
0.05%$5-Spark Savings

Energy Capital Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-High-Yield Money Market
OTHER TIERS: 0.20% Up to $25k | 0.25% $25k - $50k

Energy Capital Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%*-$20kEnergy High-Yield Checking
OTHER TIERS: 0.20% $20k+
0.06%$5k-Business Interest Checking
0.06%--Spark Interest Checking
0.06%--50-Watt Checking

Energy Capital Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$1k-60 Month CD
1.51%$1k-36 Month CD
0.60%$1k-48 Month CD
0.40%$1k-24 Month CD
0.30%$1k-12 Month CD
0.30%$1k-24 Month Rising Rate CD - New Money
0.25%$1k-24 Month Rising Rate CD
0.15%$1k-6 Month CD
0.10%$50k-90 Day Jumbo CD
Locations


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

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