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 88th largest credit union in the state of Texas. It is also the 1,086th largest credit union in the nation. It was established in 1935 and as of March of 2024, it had grown to 52 employees and 18,590 members at 4 locations. Energy Capital Credit Union's savings rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Energy Capitol Credit Union is open to those who live, work, worship, attend school, or any business entity located in the Texas counties of Brazoria, Fort Bend, Harris, Liberty, Montgomery, or Waller.
See current membership details

Reviews (3)

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).

NEW ACCOUNT FUNDING LIMIT: $ 50,000 (VIA ACH)

Posted by: |

The ACH limit for new accounts is $ 50,000 for funding from an EXTERNAL bank account. Understand that their limit for an ACH for an established account holder is $250,000. but NOT on the initial account funding.
If you wish to open a CD-Certificate of Deposit for any amount over $50,000 up to FDIC/NCUA insurance limit of $250,000 individual/ $500,000 joint you should open a share savings account only initially ($5.00 minimum) and DO NOT click on any other financial product(s) for a CD (12 month, 18 month, etc) if your intention is to deposit more than thE $50,000 limit because the system will not allow you to finish the application. You will get caught up in their system as I did. I simply closed the web page and I will start the application another time. The CD minimum is $ 500 with max $50,000 allowed on new application for funding via ACH from your external bank account, hence, the forewarning.

Fake Cds Not What They Claim

Posted by: |

Absolutely stay away from their rising rate accounts. They dont rise they only create new rising rate accounts.



Health

Health Grade Components

Overall
NCUA #61936
Year Chartered1935
Employees52
Primary Regulator
Profit Margin
Return on Assets - YTD-0.32%
Return on Equity - YTD-3.49%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$264.9MM$274.4MM
LoansQ1 2024vs Q1 2023$200.9MM$232.2MM
DepositsQ1 2024vs Q1 2023$230.5MM$238.7MM
Equity CapitalQ1 2024vs Q1 2023$24MM$25.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.4MM$1.2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.8MM$1.9MM
Real Estate OwnedQ1 2024vs Q1 2023$1.1MM$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
3.00%$100-Roth IRA
3.00%$100-Traditional IRA
2.00%$100-Business Savings
2.00%$100-High-Yield Savings
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
0.75%*$250k*-High-Yield Money Market
OTHER TIERS: 0.25% $0 - $100k | 0.50% $100k - $250k

Energy Capital Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$20kEnergy High Interest Checking
OTHER TIERS: 0.10% $20k+
4.00%$5k-Business Interest Checking
0.06%$0-50-Watt Checking

Energy Capital Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-24 Month Rising Rate CD - New Money
3.00%$500-12 Month CD
3.00%$500-24 Month CD
3.00%$500-24 Month Rising Rate CD
3.00%$500-Business 12 Month CD
3.00%$500-Business 24 Month CD
2.75%$500-6 Month CD
2.50%$500-36 Month CD
2.50%$500-48 Month CD
2.50%$50k-90 Day Jumbo CD
2.50%$500-Business 36 Month CD
2.50%$500-Business 48 Month CD
2.25%$500-60 Month CD
2.25%$500-Business 60 Month CD

Energy Capital Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-12 Month IRA
3.50%$500-24 Month IRA
3.25%$500-36 Month IRA
3.25%$500-48 Month IRA
3.00%$500-60 Month IRA
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
Branch Office3211 Peek RdKaty, TX 77449

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