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iAdvertiser Disclosure
Advertiser Disclosure
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 Energy Capital Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Energy Capital Credit Union's 7 Month CD Account rates are at 4.26%, 6 Month CD Account rates are at 3.75%, 12 Month CD Account rates are at 2.50%, 24 Month Rising Rate - New Money CD Account rates are at 2.25%, 90 Day Jumbo CD Account rates are at 2.25%. Energy Capital Credit Union's savings rates are at 0.05%. Energy Capital Credit Union's money market rates are at 0.25%. Energy Capital Credit Union's Personal Loan Rates are at 11.35%. MonitorBankRates evaluates the financial stability of Energy Capital Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.68%. Rates were last updated on 04/19/2026. Energy Capital 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 Energy Capital Credit Union? Share your experience about Energy Capital Credit Union by leaving a review below, or read customer reviews before you decide to use Energy Capital Credit Union. Energy Capital Credit Union
Northwest Community Branch 18540 Northwest Fwy
https://www.eccu.net Houston, TX 77065 
Energy Capital Credit Union CD Rates
Energy Capital Credit Union Savings Rates
Energy Capital Credit Union Money Market Rates
Energy Capital Credit Union Checking Rates
Energy Capital Credit Union Auto Loan Rates
Energy Capital Credit Union Credit Card Rates
Energy Capital Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Energy Capital 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 Energy Capital 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 Energy Capital Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Energy Capital Credit Union
Website
https://www.eccu.net
Address
18540 Northwest Fwy,
Houston, TX 77065
Phone
832-604-4848
Fax
832-604-4854
President
Shannon Rives
CEO
Kanika Boutte
Full-Time Employees
47
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.68%
Return on Assets (ROA)
0.1318%
Return on Equity (ROE)
1.2547%
Non-Performing Loans Ratio (NPL)
1.01%
Total Assets
254,373,933
Total Amount of Shares and Deposits
222,808,083
Total Shares and Deposits < 1 Year
214,844,847
Total Shares and Deposits 1 3 Years
5,108,299
Total Shares and Deposits > 3 Years
2,854,938
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
22,599,730
Total Uninsured Shares and Deposits > $250K (F+J)
22,599,730
Total Insured Shares and Deposits > $250K (item 17 less item K)
200,208,353
Total Interest Expense (Sum of items 6 8)
3,096,431
Share Certificates
880
Number of Accounts for Share Drafts
9,514
IRA KEOGH Accounts
20
Number of Accounts for Regular Shares
17,978
Non Member Deposits
49
Money Market Shares
216
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,965,323
Total Liabilities
229,178,905
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Energy Capital Credit UnionIs Energy Capital Credit Union a safe place to deposit money?Yes, Energy Capital Credit Union is considered a safe financial institution. With a Texas Ratio of 7.6831086401807%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Energy Capital Credit Union operate?Energy Capital 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 Energy Capital Credit Union?Yes, to access services at Energy Capital 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, Energy Capital 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, Energy Capital Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Energy Capital Credit Union offer online and mobile banking?Most modern institutions like Energy Capital 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.eccu.net. Current Energy Capital Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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