From Paint to Possibilities

TURN YOUR HOME'S VALUE INTO THE FUNDS YOU NEED TODAY WITH ECCU.

Tap. Pay. Go.

ACTIVATE YOUR NEW ECCU DEBIT CARD - NOW WITH TAP-TO-PAY AND DIGITAL WALLET COMPATIBILITY.

Your Money. Your Way. Every Day.

Your life moves fast, and your money should keep up.

With ECCU's Online and Mobile banking, you can manage everything in real time, safely and effortlessly.

All your money moves —

in one easy app.

Access anytime – log in 24/7 from anywhere

Deposit instantly – snap a photo, no branch needed

Send and receive – with Zelle^® built right in

Track, grow, and stay alert – with insights, alerts, and more!

All the Ways ECCU's got you Covered

Get Paid for A's with ECCU's Student Checking

Learn More

ECCU's Tips on how to Protect yourself Against Fraud

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Want to earn 5.25% APY* on your High-Yield Checking?

Find out How

Drive now, pay later! 90 days of no payments* is back!

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Protect the life you love with Energy Capital Insurance

Learn More

Featured Rates

Business Savings
APY up to

2.00% APY²

Business Checking
APY up to

2.75% APY²

High-Yield Savings
APY up to

2.00% APY²

High-Yield Checking

APY up to

5.25% APY²

Auto Loans

as low as

5.45% APR²

View all Rates

Why our Members Love ECCU

Helping our Members Reach their Goals Since 1934

For more than 90 years, Energy Capital Credit Union has been helping members reach their financial goals—no matter what stage of life they’re in. With over 19,000 members across the Greater Houston area, we’re more than just a place to bank—we’re your financial partner.

At ECCU, our profits go back to you through better rates, lower fees, and dividends. Whether you’re looking to grow your savings, get a great rate on a loan, or simply enjoy a more personal banking experience, ECCU is here for you.

Membership is open to anyone who lives, works, worships, or attends school in Texas. Joining ECCU is easy. Simply click here to open an account online, or stop by one of our three community branches, located in Katy, Spring and Northwest Houston in Jersey Village.

Keep up with ECCU!

Follow us on your favorite social media platforms and be part of our growing community! We love engaging with you, sharing valuable financial tips, and highlighting the incredible work our partners and team are doing to make a difference.