Overview / Commentary
832-604-4848
18540 Northwest Fwy
Houston, TX 77065

Energy Capital Credit Union is headquartered in Houston and is the 81st largest credit union in the state of Texas. It is also the 1,005th largest credit union in the nation. It was established in 1935 and as of June of 2018, it had grown to 42 employees and 16,814 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

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Health
B+

Health Grade Components

Overall
NCUA #61936
Year Chartered1935
Employees42
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD7.47%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$218.5MM$227.2MM
LoansQ2 2018vs Q2 2017$179.8MM$178.6MM
DepositsQ2 2018vs Q2 2017$196.3MM$206.2MM
Equity CapitalQ2 2018vs Q2 2017$20.2MM$19.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.0MM$1.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$631.00K$724.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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* 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
0.15%*$50k*-Regular Share Account
OTHER TIERS: 0.10% $100 - $50k
0.05%$100-Secondary Savings Account
0.05%$100-Indirect Shares
0.05%$5-Spark Savings

Energy Capital Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Hi Yield Money Market Account
OTHER TIERS: 0.25% Up to $10k | 0.30% $10k - $25k | 0.35% $25k - $50k

Energy Capital Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.06%$5k-Business Interest Checking
0.06%$500-Interest Checking

Energy Capital Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%$1k-60 Month CD
2.94%$1k-48 Month CD
2.84%$1k-36 Month CD
2.63%$1k-24 Month CD
2.53%$1k-24 Month Rising Rate CD - New Money
2.48%$1k-24 Month Rising Rate CD
2.32%$1k-12 Month CD
1.92%$1k-6 Month CD
0.75%$50k-90 Day Mini Jumbo CD
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

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