18540 Northwest Fwy
Houston, TX 77065

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.51% 2.15% →
2-Year CD 1.56% 2.20% →
5-Year CD 1.97% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Energy Capital is an NCUA insured institution located in Houston, TX. It was founded in 1935 and has approximately $218.35 millions in assets.

Who can join?

Corporate partners who membership is extended to as well as their families are:

Bimbo Bakeries
Federal Wage & Labor Law Institute
R & D Publishing
SBM Offshore
Bureau Veritas

Additionally, anyone who lives, works, worships or attends school, or businesses and other legal entities within a 10 mile radius of any of the union's seven branches. As well, family members of any of our current members are eligible for membership. However, if you do not meet any of the above requirements and you reside in Harris County, Texas, you are eligible for membership through the Friends of Consumer Freedom partnership which is free to new members.

NCUA Insured Yes
Charter Number # # 61936
Date Established 1935
Assets $218.35 million
Loans $175.41 million
Deposits $195.10 million
Capital $23.60 million

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.

Deposit Rates - February 28, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,500 $4,999 Learn MoreShow Less
Money Market
0.35% $10,000 $24,999 Learn MoreShow Less
Money Market
0.45% $25,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.65% $50,000 - Learn MoreShow Less
6 Mo CD
1.11% $1,000 - Learn MoreShow Less
12 Mo CD
1.51% $1,000 - Learn MoreShow Less
24 Mo CD
1.56% $1,000 - Learn MoreShow Less
36 Mo CD
1.61% $1,000 - Learn MoreShow Less
48 Mo CD
1.76% $1,000 - Learn MoreShow Less
60 Mo CD
1.97% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.06% $500 - Learn MoreShow Less

Loan Rates - February 28, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ENERGY CAPITAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: 13256
3.146% 3.125% 0.25 $665 $1,071 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Energy Capital branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Energy Capital Locations

Financial Details

Energy Capital Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Energy Capital. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Energy Capital U.S. Average
5.80% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Energy Capital had $1,348,741 in non-current loans and $75,350 in owned assets. To cover these potential losses it had $23,602,322 in net worth and $951,503 in loans loss reserves. That gives it a Texas Ratio of 5.80%.

Net Worth
Energy Capital U.S. Average
10.8% 13.65%

Energy Capital FCU has a net worth of 10.8% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Energy Capital

Branches and Savings

What is Energy Capital?

A federal credit union, registered with the NCUA under certificate #61936.
Learn more about credit unions here.

Is Energy Capital FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Energy Capital?

Please see Field of Membership information above for information on who is eligible to join.

What are Energy Capital's share account and share certificate rates?

Energy Capital's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Energy Capital?

Energy Capital has total capital of $23.60 million. Full information on Energy Capital's financial position is located above.

Who owns Energy Capital?

Credit Unions are owned by their members.

Where are Energy Capital branches located?

See branch locations nearby.

Are Energy Capital ATMs Open 24/7?

Do Energy Capital ATMs accept cash deposits?

Can Energy Capital customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Energy Capital have a mobile app?

Does Energy Capital have mobile deposit?

Does Energy Capital have quick pay?

How can Energy Capital transfer money to other banks or credit unions?

Does Energy Capital report to credit bureaus?

Does Energy Capital use Chexsystems?

Does Energy Capital use Equifax?

What is Energy Capital's toll free phone number?

What is Energy Capital's ACH Routing Number?

What is Energy Capital's SWIFT code?

Where can I find Energy Capital's wire transfer form?

What is the Energy Capital address for deposits?

What Products Does Energy Capital Offer

Does Energy Capital offer mortgages?

Compare mortgage rates here.

Does Energy Capital offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Energy Capital offer auto and RV loans?

Compare auto loan rates here.

Does Energy Capital offer student loans or personal loans?

Compare personal loan rates here.

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