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Empowerment Community Development Federal Credit Union

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Empowerment Community Development Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Empowerment Community Development Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare Empowerment Community Development Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.29%, 6-month share certificate rates at 0.15% and 3-month share certificate rates at 0.30%. Savings rates are at 0.40% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to Empowerment Community Development Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Empowerment Community Development Federal Credit Union with a 1.5 Star Rating, an F Overall Health Grade, and a Texas Ratio of 56.90%. Rates were last updated on 05/15/2026.

Empowerment Community Development Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Empowerment Community Development Federal Credit Union? Share your experience about Empowerment Community Development Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Empowerment Community Development Federal Credit Union.

Overall Health & Safety Grade

High Risk Health Score: 37/100

MonitorBankRates Rating

1.5

Weak Out of 5.0 Stars

Texas Ratio

56.90%

Weak Higher than avg

Empowerment Community Development Federal Credit Union
Empowerment CDFCU

6011 W Orem Dr
Houston, TX 77085 1273

https://www.ecdfcu.com

Current Rate Availability

We do not have Empowerment Community Development Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Empowerment Community Development Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Empowerment Community Development Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Empowerment Community Development Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Empowerment Community Development Federal Credit Union

Website https://www.ecdfcu.com

Address 6011 W Orem Dr, Houston, TX 77085 1273

Phone 713-726-2515

Fax 713-726-2516

President Benjamin Miller

CEO Delores Gentry

Full-Time Employees 0

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

1.5 / 5.0 ★

Overall Health & Safety Grade

F (37/100)

Texas Ratio

56.90%

Return on Assets (ROA)

0.0420%

Return on Equity (ROE)

0.3956%

Non-Performing Loans Ratio (NPL)

10.72%

Total Assets

755,012

Total Amount of Shares and Deposits

674,854

Total Shares and Deposits < 1 Year

674,854

Total Insured Shares and Deposits > $250K (item 17 less item K)

674,854

Total Interest Expense (Sum of items 6 8)

5,331

Number of Accounts for Regular Shares

597

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

317

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

239,779

Total Liabilities

674,879

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Empowerment Community Development Federal Credit Union

How many branches does Empowerment Community Development Federal Credit Union operate?

Empowerment Community Development Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Empowerment Community Development Federal Credit Union?

Yes, to access services at Empowerment Community Development Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Empowerment Community Development Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Empowerment Community Development Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Empowerment Community Development Federal Credit Union offer online and mobile banking?

Most modern institutions like Empowerment Community Development Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ecdfcu.com.