Energy Capital Credit Union

Overview / Commentary
18540 Northwest Fwy
Houston, TX 77065

Energy Capital Credit Union is headquartered in Houston and is the 83rd largest credit union in the state of Texas. It is also the 1,017th 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 Grade Components

NCUA #61936
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD7.24%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$220.6MM$219.1MM
LoansQ3 2019vs Q3 2018$177.6MM$177.5MM
DepositsQ3 2019vs Q3 2018$196.6MM$196.2MM
Equity CapitalQ3 2019vs Q3 2018$22.1MM$20.6MM
Loan Loss AllowanceQ3 2019vs Q3 2018$922.00K$1,000.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$758.00K$1.1MM
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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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

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

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

2.00%*-$20kEnergy 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

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

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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