Document Availability

According to Section 91.315 of the Texas Administrative Code, Energy Capital Credit Union is required to notify our members that the following documents are available for review or to receive a copy of the most recent version:

Balance Sheet, Income Statement, a summary of the most recent annual audit relating to completed Audits and Verification, written Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof, and Internal Revenue Service form 990. Please make requests in writing to Energy Capital Credit Union, ATTN: Office of the President/CEO, 18540 Northwest Freeway, Houston, TX 77065 or by phone at (832)604-4848.

While we do our best to resolve all issues within the Credit Union, there may be times a member chooses to go outside the Credit Union for intervention. The Texas Credit Union Department has provided the following link for such issues. Please give us the opportunity to help you prior to contacting the TCUD.

Complaint Notice

If you have a problem with the services provided by this credit union, please contact us at:

Energy Capital Credit Union
18540 Northwest Freeway
Houston, TX 77065
(832) 604-4848

This Credit Union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit
Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: In Person or U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Facsimile Number: (512) 832-0278, email:, Website:


ECCU wants everyone who visits to feel welcome and find the experience rewarding. ECCU is in the process of implementing the Web Content Accessibility Guidelines (WCAG) 2.0. Together with third party vendors ECCU is striving to continue to make your online visit as easy and seamless as possible. ECCU continues to take steps and dedicate resources to promoting member accessibility.

If at any time you need assistance using our website please give us a call at (832) 604-4848 during normal business hours or email us at and ECCU will work with you in reasonable efforts to locate the information you are seeking.

Terms & Conditions

These terms govern the use of this website. Please read them carefully before accessing the site. If you do not agree with these terms , do not access the website. By accessing the website or any of its pages, you agree to be bound by these terms of use.

This website has been established by the Credit Union for the sole purpose of conveying information about the Credit Union's products and services and to allow communication between the Credit Union and its members. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the credit union's agreements and disclosures that govern its products and services.
If any information on the site conflicts with that in the credit union's agreements and disclosures, the agreements and disclosures will control.

From time to time the Credit Union may place links to other websites on this page. The Credit Union has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Credit Union or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
The Credit Union makes no warranties of any kind regarding the products and services advertised on this site. The Credit Union will use reasonable efforts to ensure that all information displayed is accurate; however, the Credit Union expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus.
The Credit Union is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site.
This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Credit Union has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time. All users also agree to indemnify and hold harmless the Credit Union and its affiliates and each of their directors, volunteers, officers, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Energy Capital Credit Union website, your violation of the Terms, or your violation of any rights of another.
This agreement and the use of this website are governed by the laws of the State of Texas.
Patriot Act
Important information about procedures for opening or changing an account with Energy Capital Credit Union

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.
Privacy Policy
What Does Energy Capital Credit Union Do With Your Personal Information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social security number
  • Account balances
  • Payment history
  • Checking account information
  • Overdraft history
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Energy Capital Credit Union chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Energy Capital Credit Union Share? Can You Limit This Sharing?
For our everyday business purposes
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes
to offer our products and services to you
Yes No
For joint marketing with other financial companies No We Do Not Share
For our affiliates’ everyday business purposes
information about your transactions and experiences
No We Do Not Share
For our affiliates’ everyday business purposes
information about your creditworthiness
No We Do Not Share
For our affiliates to market to you No We Do Not Share

Contact us at (832) 604-4848 or

What We Do
How does Energy Capital Credit Union protect my information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does Energy Capital Credit Union collect my information? We collect your personal information, for example, when you
  • Open an account or deposit or withdraw from your account
  • Apply for a loan or provide account information
  • Give us your income information
We also collect your personal information from others such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes –information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law.)
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. Energy Capital Credit Union does not share with affiliates.
Non‑Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. Energy Capital Credit Union does not share with non-affiliates.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. Energy Capital Credit Union does not jointly market.
Other Important Information
In accordance with Texas law, Energy Capital Credit Union will not share information we collect about Texas residents with companies outside of Energy Capital Credit Union, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable Texas law.
Deposit Disclosures

*APY = Annual Percentage Yield. Rates are subject to change. APY is accurate as of the last dividend declaration date. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.

Checking Accounts: Other fees such as non-sufficient funds, overdraft, continuous overdraft fees, etc. may apply. See the Fee Schedule for more details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift is provided at time of account opening. We reserve the right to substitute a gift of similar value. 

NCUA: Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency. 

Rate Information: The disclosed dividend rate and APY are those that were offered within the most recent thirty calendar days.

The dividend rate and APY on Rising Rate Certificate Accounts may change once during the original term of the certificate at the member's option in which event the rate of the certificate will change to the current rate being offered on certificates of the same term at the time that the Rising Rate option is exercised.

The Rising Rate option is not available during any renewal term. The dividend rate and APY on all other certificate accounts are fixed and will be paid until the first maturity date on the certificate. 

Minimum Balance Requirements: To open any account, you must deposit or already have an existing savings or checking account. The minimum balance requirements applicable to each account are stated above. If the minimum daily balance is not met each day of the dividend period, you will not earn the stated Annual Percentage Yield. The minimum balance for the 90 Day Internet Special is $10,000, 90 Day Jumbo is $50,000, and all other certificate minimums are $1,000. 

Transaction Limitations: After your account is opened, you may make withdrawals, however penalties may apply. Deposits are not permitted during the term of the certificate. You may withdraw dividends that have been paid without penalty.

Maturity: Your account will mature as stated on your account receipt or renewal notice. 

Early Withdrawal Penalty: Your account will mature after the maturity date stated on your certificate account as set forth above. We will impose a penalty if you withdraw any of the funds in your certificate account prior to the maturity date. The penalty shall be equal to 90 days of dividends for terms of less than 12 months and 180 days of dividends for terms 12 months or greater.

You may not make partial withdrawals of principal prior to the maturity date. No penalty will be imposed if withdrawal of principal is made following your death or your total and permanent adjudicated disability. 

How the Penalty Works: The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. 

Withdrawal of Dividends Prior to Maturity: Dividends paid during any month may be withdrawn without penalty. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. 

Renewal Policies: The renewal policy for your accounts is stated in the rate schedule. For certificate accounts, your account will automatically renew for another term upon maturity. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. 

Nontransferable/Nonnegotiable: Your account is nontransferable and nonnegotiable. 

Nature of Dividends:  Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. 

Compounding and Crediting: The dividend period is the accounts term. It begins from the date that your account is opened and ends on the stated maturity date unless renewed, and dividends will be compounded monthly and will be credited monthly. Your Annual Percentage Yield assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. Accrued dividends (less any early withdrawal penalty) will be paid when you close your account.  

Balance Computation Method: For dividend bearing accounts, dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day. 

Accrual of Dividends: For dividend bearing accounts, dividends will begin to accrue on the business day that you deposit cash and non-cash items (e.g. checks) into your account. 

Fees and Charges: Any fees and charges applicable to your account are disclosed separately in the Fee Schedule provided in conjunction with this Account Disclosure. 

Renewal Policy for 90 Day Internet Special Certificate Account: The minimum opening deposit is $10,000, and interest is credited at maturity. Your certificate will not renew automatically, your certificate funds will be deposited into your savings account. If you do not have a savings account, your funds will be deposited into your checking account. 

Free Gift: There are no minimum balance or time requirements to attain the free checking account gift. The minimum balance to open a checking account is $25 and there no additional opening requirement to receive the checking account gift. The gift will be provided at the time of account opening. 

Funds Availability: See our Membership and Accounts Agreement.
Loan Disclosures
*APR = Annual Percentage Rates. Rates are subject to change without notice. APR is accurate as of the last declaration date. Not an offer to lend. Subject to. Subject to credit and underwriting guidelines. We do business in accordance with the Equal Housing Lender.


*Loan Discounts: All loans are eligible to the following discounts: 0.05% for Life Debt Protection or 0.10% for Life/Disability; Life/IU; Life/Disability/FL Debt Protection (excludes Visa/LOC) and 0.10% for automatic payments. Auto and Toy Loans are eligible to the following discounts: 0.10% GAP. Auto Loans are eligible for the following discounts: 0.20% Extended Warranty; 0.20% Multishield. 

Credit Card Offer: 0% APR is only valid for new cards, six months after card opening. After the 6-month introductory period, your rate will be the agreed upon rate at the time of card opening.  See our Credit Card Agreement and Disclosures.

NCUA: Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency. 

Online Service E-Sign Disclosure and Consent
Please review this disclosure carefully and print a copy for your reference; you can access an online copy at any time by navigating to the "E-Communication Preferences" section by clicking on the "Manage my Settings" link your Account Homepage.

This Online Service E-Sign Disclosure and Consent ("Disclosure"), applies to all communications for those products and services offered through our online application.

In this consent:

  • "We," "us," and “our" means Energy Capital Credit Union.
  • “You” and “your” means the person giving this consent, and also each additional account owner, authorized signer, authorized representative, and/or service user identified on any of our products and/or services that you apply for, use or access.
  • “Communications” and “communications” means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign or submit or agree to at our request.

Scope of Communications to Be Provided in Electronic Form
When you use a product or service to which this Disclosure applies, you agree that we may provide you with any communications in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with the product or service available through the Online Service for your Account.
  • Notices or disclosures about a change in the terms of your Account.
  • Privacy policies and notices. 
There are certain communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those communications to you in writing. However, if the law changes in the future and permits any of those communications to be delivered as electronic records, this consent will automatically cover those communications as well.

Method of Providing Communications to You in Electronic Form
All Communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available.

How to Withdraw Consent
You may withdraw your consent to receive communications in electronic form by selecting that option under your "E-Communication Preferences" section, which is accessible from your Account Homepage by clicking on the on the "Manage my Settings" link. No fees will be imposed to process the withdrawal of your consent to receive electronic communications, however your access and use of the Online Service will be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service. Depending on the specific product or service, if you withdraw consent we may charge higher or additional fees for that product or for services related to it. Please refer to the applicable agreement for any fee that may apply.

How to Update Your Records
It is your responsibility to provide and maintain a current e-mail address. You can update information (such as your e-mail address) under your "Update E-Mail Address" section, which is accessible from your Account Homepage by clicking on the on the "Manage my Settings" link.

Hardware and Software Requirements
In order to access, view, and retain electronic Communications that we make available to you, you must have:
  •  Internet browser that supports 128 bit encryption.
  •  Sufficient electronic storage capacity on your computer's hard drive or other data storage unit.
  •  An e-mail account with an Internet service provider and e-mail software in order to participate in our electronic communications programs.
  •  A personal computer.
  •  An operating system and an Internet connection capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above
If we implement changes to the hardware or software requirements that may prevent you from obtaining access to or retaining electronic information, you will be notified of the new requirements and allowed to withdraw your consent without charge.

Requesting Paper Copies
We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, please submit your request to Please refer to the applicable agreement for any fee that may apply.

Communications in Writing
All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.

By selecting "Yes, I consent to E-Communication," you consent to receive all receive communications regarding products and services that are offered through our online service. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic communications to you. You further confirm that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, and/or service users identified with the Account and the Online Services described above.
Zelle® Terms & Conditions