Energy Capital Credit Union

Overview / Commentary
18540 Northwest Fwy
Houston, TX 77065

Energy Capital Credit Union is headquartered in Houston and is the 88th largest credit union in the state of Texas. It is also the 1,071st largest credit union in the nation. It was established in 1935 and as of December of 2021, it had grown to 46 employees and 18,316 members at 3 locations. Energy Capital Credit Union's CD rates are 40% higher than the national average, and it 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 Montgomery. 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) Has Top 1-, 2- and 3-Year CD Rates - 3/5/2022

Energy Capital Credit Union (Houston area) is offering limited-time competitive rates on its 12-, 24-, and 36-month CDs. Minimum opening deposit is $1k.

Energy Capital Credit Union (TX) Adds Competitive 18-Month CD - 11/11/2021

Energy Capital Credit Union (Houston area) has added an 18-month CD that earns a very competitive rate. $1k minimum opening deposit, with no stated balance cap.

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.

View all posts from:

Reviews (1)

Came For The Rates, Stayed For The Service

This is a great CU - the CD specials they have been running are very competitive. But I've also noticed that they provide great service and have a lot of other products available (including retirement planning and insurance).


Health Grade Components

NCUA #61936
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.28%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$259.7MM$234.5MM
LoansQ4 2021vs Q4 2020$216.3MM$183.0MM
DepositsQ4 2021vs Q4 2020$228.3MM$209.4MM
Equity CapitalQ4 2021vs Q4 2020$24.5MM$23.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$998.00K$1.1MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$646.00K$1.6MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Report an Issue

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

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

Energy Capital Credit Union Money Market Rates

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

2.01%*-$20kEnergy High-Yield Checking
OTHER TIERS: 0.20% $20k+
0.25%--Spark Interest Checking
0.06%$5k-Business Interest Checking
0.06%--50-Watt Checking

Energy Capital Credit Union CD Rates

2.12%$1k-60 Month CD
1.92%$1k-48 Month CD
1.76%$1k-36 Month CD
1.66%$1k-24 Month CD
1.56%$1k-24 Month Rising Rate CD - New Money
1.51%$1k-24 Month Rising Rate CD
1.26%$1k-12 Month CD
0.75%$1k-6 Month CD
0.50%$50k-90 Day 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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.