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 Energy Capital Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
Energy Capital Credit Union's 6 Month CD rates are at 3.75%, 12 Month CD rates are at 2.50%, 24 Month Rising Rate - New Money rates are at 2.25%, 24 Month CD rates are at 2.00%, 24 Month Rising Rate rates are at 2.00%. 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 RV, Boat and Powersport Loan Rates are as low as 8.15%. Energy Capital Credit Union's Credit Card Rates are at 12.49%. 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 5.00%. Rates last updated and verified on 09/22/2026. 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 RV, Boat and Powersport Loan Rates
Energy Capital Credit Union Credit Card Rates
Energy Capital Credit Union Other Rates
Financial Health HistoryEnergy Capital Credit Union’s Texas Ratio fell from 8.11% in Q2 2023 to 5.00% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
Kimberly Irchirl-Carter
CEO
Kanika Boutte
Full-Time Employees
51
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+ (98/100)
Texas Ratio
5.00%
Return on Assets (ROA)
-0.5424%
Return on Equity (ROE)
-5.5767%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
261,203,573
Total Amount of Shares and Deposits
233,025,199
Total Shares and Deposits < 1 Year
226,503,909
Total Shares and Deposits 1 3 Years
6,253,072
Total Shares and Deposits > 3 Years
268,218
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,560,698
Total Uninsured Shares and Deposits > $250K (F+J)
29,560,698
Total Insured Shares and Deposits > $250K (item 17 less item K)
203,464,501
Total Interest Expense (Sum of items 6 8)
956,306
Share Certificates
845
Number of Accounts for Share Drafts
9,867
IRA KEOGH Accounts
24
Number of Accounts for Regular Shares
18,524
Non Member Deposits
41
Money Market Shares
206
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,730,766
Total Liabilities
236,987,628
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Energy Capital Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Energy Capital Credit Union
Frequently Asked Questions About Energy Capital Credit UnionHow 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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