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.
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
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).
Overall | |
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NCUA # | 61936 |
Year Chartered | 1935 |
Employees | 46 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.51% |
Return on Equity - YTD | 5.28% |
Annual Interest Income | $8.2MM |
Assets and Liabilities | ||
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Assets | Q4 2021vs Q4 2020 | $259.7MM$234.5MM |
Loans | Q4 2021vs Q4 2020 | $216.3MM$183.0MM |
Deposits | Q4 2021vs Q4 2020 | $228.3MM$209.4MM |
Equity Capital | Q4 2021vs Q4 2020 | $24.5MM$23.1MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $998.00K$1.1MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $646.00K$1.6MM |
Real Estate Owned | Q4 2021vs Q4 2020 | $0$0 |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
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 |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.30%* | $50k* | - | High-Yield Money Market | ||
OTHER TIERS: 0.20% → Up to $25k | 0.25% → $25k - $50k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
2.01%* | - | $20k | Energy 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 Locations | ||
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Branch Office | 18540 Northwest Fwy | Houston, TX 77065 |
Branch Office | Nature 2 Bldg LL B250 22777 Springwoods Village Pkwy | Spring, TX 77389-1425 |
Branch Office | 24396 I-45 North | Spring, TX 77386 |