The History of Energy Capital Credit Union

Energy Capital Credit Union is a not-for-profit organization with four Houston-area branch locations, and more than 19,000 members.
We're one of the oldest credit unions in the country, forming the same year that credit unions were legally allowed to organize.

1934  Federal Credit Union Act enabled credit unions to organize. First charter issued for Humble Oil Employees, which would later form ECCU. The credit union was formed by individuals, just like you.
1950s  First branch established inside the Prudential Building.
1960s  Converted from Federal to State Charter and joined Texas Credit Union League, know known as Cornerstone League.
1990s  Added Checking Accounts, Certificate of Deposits, Home Improvement Loans, Electronic Bill Payment, Lines of Credit Loans, ATM Cards, Loans by Phone. Invested in CUAC.
1998  The credit union name changed to Energy Capital Credit Union.
2000s  Added Money Orders, Secured Visa Credit Cards, Home Equity and Home Equity Lines of Credit.
2006  Northwest Community Branch opened, the first community branch of ECCU.
2010  The first ECCU Mobile App was debuted for members.
2013  Investment Services added.
2014  Spring Community Branch opened.
2021  Energy Capital Insurance was founded.
2022  Field of membership expanded. Membership now can be from individuals who live, work, worship, attend school or any business entity in Harris, Montgomery, Liberty, Brazoria, Fort Bend and Waller Counties. ECCU Cares Foundation established.
2023  Katy Community Branch opened.

Additional Brands of ECCU

Our volunteer and service for employees  and members to give back to the local Houston communities.
Providing members the best options for all personal and business insurance needs, including auto and life.
Solutions available to help members achieve, grow and maintain wealth with planning and investments.

Our Field of Membership

Membership is limited geographically, so we can best serve our members with the financial solutions they need locally. ECCU's field of membership is also available to immediate family members of any existing ECCU member that lives in the same household.

Membership is available to any individual who lives, works, worships, attends school or any business entity on of these counties in Texas:

  • Harris
  • Montgomery
  • Liberty
  • Brazoria
  • Fort Bend
  • Waller
The Credit Union Difference

When you become a member of Energy Capital Credit Union, you own a share of the credit union. All members, regardless of their account balance, have an equal share in the credit union, and an equal vote in important annual meeting business items and for the Board of Directors.

  • We don't over fee you! We try to keep all necessary fees as low as possible, just enough to cover our expenses or time.
  • We pay you dividends instead of paying stockholders like other corporations do.
  • Our Board of Directors are volunteers that are voted for by you. This ensures they make decisions to help both the credit union and member success, instead of filling their pockets.
  • You are a member-owner, which means get to vote and have a say in how the credit union functions.  You also can run as a nominee for the volunteer Board of Directors.

Accessibility with ECCU

Always have access to your account, when you need it.

Save on Your Monthly Payments

A benefit of membership with Energy Capital Credit Union is access to money when you need it, if you meet lending guidelines. We offer loans on everything from a payday advance to an auto loan or auto refinance to a mortgage. 

Personal & Business Checking Accounts

ECCU is conveniently located and staffed with a friendly, reliable team that you can count on for all your financial needs.

women turning on open sign

A checking account at Energy Capital Credit Union is a smart and easy financial decision for both your personal and business requirements.

Free Financial Counseling

We can help you create a budget, understand your credit, and make a plan for you to be at your financial best.

Our certified financial counselors can help you improve your financial health. 

  • Review your credit report
  • Look at your income and expenses
  • Help you put together a budget or a financial plan

Schedule a meeting to sit down with one of our counselors and do a full review of your financial habits. This free counseling is free for all ECCU members!

All the tools you need to manage your money.