Energy Capital Credit Union

Overview / Commentary

www.eccu.net

832-604-4848

18540 Northwest Fwy
Houston, TX 77065

Energy Capital Credit Union is headquartered in Houston and is the 83^rd largest credit union in the state of Texas. It is also the 1,017^th largest credit union in the nation. It was established in 1935 and as of September of 2019, it had grown to 43 employees and 17,171 members at 3 locations. Energy Capital Credit Union's CD rates are 68% higher than the national average, and it has an A 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.
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Health

Data as of Q3 2019

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Health Grade Components

Overall
NCUA #	61936
Year Chartered	1935
Employees	43
Primary Regulator

Profit Margin
Return on Assets - YTD	0.73%
Return on Equity - YTD	7.24%
Annual Interest Income	$6.4MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$220.6MM$219.1MM
Loans	Q3 2019vs Q3 2018	$177.6MM$177.5MM
Deposits	Q3 2019vs Q3 2018	$196.6MM$196.2MM
Equity Capital	Q3 2019vs Q3 2018	$22.1MM$20.6MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$922.00K$1,000.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$758.00K$1.1MM
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
Checking
CD

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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

APY	MIN	MAX	ACCOUNT NAME
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
2.00%^*	-	$20k	Energy High-Yield Checking
OTHER TIERS: 0.25% → $20k+
0.06%	$5k	-	Business Interest Checking
0.06%	-	-	Spark Interest Checking
0.06%	-	-	50-Watt Checking

Energy Capital Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.97%	$1k	-	60 Month CD
1.76%	$1k	-	48 Month CD
1.61%	$1k	-	36 Month CD
1.56%	$1k	-	24 Month CD
1.51%	$1k	-	12 Month CD
1.46%	$1k	-	24 Month Rising Rate CD - New Money
1.41%	$1k	-	24 Month Rising Rate CD
1.11%	$1k	-	6 Month CD
0.65%	$50k	-	90 Day Mini Jumbo CD

Locations

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

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