Energy Capital Credit Union is headquartered in Houston and is the 82nd largest credit union in the state of Texas. It is also the 1,021st largest credit union in the nation. It was established in 1935 and as of March of 2019, it had grown to 43 employees and 17,308 members at 3 locations. Energy Capital Credit Union's CD rates are 3X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Energy Capitol Credit Union of Texas is open to the residents of these qualified counties: Montogomery and Harris or within 10-miles of any branch office in any direction, employees of the partner companies listed on the credit union website and the family members of current credit union members.
See current membership details
Data as of Q1 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61936 |
| Year Chartered | 1935 |
| Employees | 43 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.8% |
| Return on Equity - YTD | 8.35% |
| Annual Interest Income | $2.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $219.4MM$221.2MM |
| Loans | Q1 2019vs Q1 2018 | $176.4MM$177.3MM |
| Deposits | Q1 2019vs Q1 2018 | $197.0MM$199.5MM |
| Equity Capital | Q1 2019vs Q1 2018 | $21.0MM$19.6MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $991.00K$1.0MM |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $586.00K$779.00K |
| Real Estate Owned | Q1 2019vs Q1 2018 | $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.
Energy Capital Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%* | $10k* | - | Regular Share Account | ||
| OTHER TIERS: 0.10% → $100 - $10k | |||||
| 0.10% | $100 | - | Secondary Savings Account | ||
| 0.10% | $100 | - | Indirect Shares | ||
| 0.10% | $5 | - | Spark Savings | ||
Energy Capital Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.55%* | $50k* | - | Hi Yield Money Market Account | ||
| OTHER TIERS: 0.35% → Up to $25k | 0.45% → $25k - $50k | |||||
Energy Capital Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.06% | $5k | - | Business Interest Checking | |
| 0.06% | $500 | - | Interest Checking |
Energy Capital Credit Union CD Rates
| Energy Capital Credit Union Locations | ||
|---|---|---|
| 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 |