Energy Capital Credit Union is headquartered in Houston and is the 90th largest credit union in the state of Texas. It is also the 1,123rd largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 48 employees and 18,911 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
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)
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.
WORST CUSTOMER SERVICE EVER!
They cannot even provide check images, not even when going to the branch. The manager goes away when he is required. Customer Service phone is a joke. This place also changes staff all the time. We wonder what's happening with this CU. They seem to be hiding some malfunctioning issue. It is scary. We will close all our accounts. They even cancelled reviews on Google. That's how bad it is.
Regular Share Account Minimum $1000 !!!
Yes, Regular Share Account minimum will be $1000 starting 9/1/24. Yes, one thousand dollars. Regular Share account does not earn any interest ! Monthly fee of $5 on balances below $1000. Seems to me this Credit Union is looking for brainless customers. Nobody else should become a member.
Fake Cds Not What They Claim
Absolutely stay away from their rising rate accounts. They dont rise they only create new rising rate accounts.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61936 |
| Year Chartered | 1935 |
| Employees | 48 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.31% |
| Return on Equity - YTD | 3.12% |
| Annual Interest Income | $3.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $253.1MM$264.9MM |
| Loans | Q1 2025vs Q1 2024 | $199.9MM$200.9MM |
| Deposits | Q1 2025vs Q1 2024 | $222MM$230.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $24.9MM$24MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.9MM$2.4MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.8MM$1.8MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$1.1MM |