Energy Capital Credit Union

Overview / Commentary
18540 Northwest Fwy
Houston, TX 77065

Energy Capital Credit Union is headquartered in Houston and is the 87th largest credit union in the state of Texas. It is also the 1,055th largest credit union in the nation. It was established in 1935 and as of December of 2022, it had grown to 49 employees and 18,848 members at 3 locations. Energy Capital Credit Union has a B+ 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

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).


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 Grade Components

NCUA #61936
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.67%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$275.3MM$259.7MM
LoansQ4 2022vs Q4 2021$230.0MM$216.3MM
DepositsQ4 2022vs Q4 2021$243.7MM$228.3MM
Equity CapitalQ4 2022vs Q4 2021$25.6MM$24.5MM
Loan Loss AllowanceQ4 2022vs Q4 2021$1.0MM$998.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$2.4MM$646.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0

Rates for Energy Capital Credit Union are currently being reviewed.


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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