Savings Accounts

Find Your Savings Account at ECCU

Energy Capital Credit Union Savings Accounts are safe and secure way to save your money! Whether you need an account to save for a vacation, doctor appointments, or college, we have an account to help you accomplish your money saving goals.

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High-Yield Savings

A safe place to stash money for short-term savings goals, an emergency fund, or to hold while you decide what to do with it.

Withdraw funds anytime
Dividends accrue daily; compound monthly
$5 opening deposit

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Savings Account

A secure place to save your money.

$100 Balance to earn dividends
Withdraw funds anytime
Dividends accrue daily; compound monthly
$5 opening deposit

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Special Savings

A perfect way to save for a special event.

$100 Balance to earn dividends
Withdraw funds anytime
Dividends accrue daily; compound monthly
Must have a regular savings account to open
$5 opening deposit

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High-Yield Money Market

This account puts your money to work for you!

Tiered rate account
6 withdrawals per month
$2,500 minimum to earn interest
Dividends accrue daily; compound monthly

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Spark Savings

It's never too early to teach your children the importance of managing their money.

Withdraw funds at anytime
$5 opening deposit
Learn how to get paid for good grades!

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Savings Accounts	Annual Percentage Yield	Minimum Balance to Obtain APY*	Minimum Balance to Avoid a Fee	Minimum Opening Deposit
$100 - $9,999	0.05%	$100	$1,000	$5
$10,000 - $24,999	0.07%	$10,000	$1,000	$5
$25,000 - $49,999	0.07%	$10,000	$1,000	$5
$50,000 and up	0.07%	$10,000	$1,000	$5
High-Yield Savings	2.00 %	$100	$5,000	$5
Secondary Savings	0.05%	$100	$1,000	$0
Spark Savings	0.05%	$5	N/A	$5
Indirect Share	0.05%	$100	$1,000	$1 =

High-Yield Savings	Annual Percentage Yield - No Checking	Annual Percentage Yield - Yes Checking
$0 - $9,999	0.25 %	0.50 %
$10,000 - $24,999	0.50 %	1.00 %
$25,000 - $49,999	0.75 %	1.50 %
$50,000 - $249,999	1.00 %	2.00 %
$250,000 - $499,999	1.25 %	2.50 %
$500-000 - $99,999,999,999	1.50 %	3.00 %

High-Yield Money Market	Annual Percentage Yield	Minimum Balance to Obtain APY*	Minimum Balance to Avoid a Fee	Minimum Opening Deposit
$0 - $99,999	0.25 %	$2,500	$2,500	$1,000
$100,000 - $249,999	0.50 %	$2,500	$2,500	$1,000
$250,000 and up	0.75 %	$2,500	$2,500	$1,000

*APY = Annual Percentage Yield. Effective 10/1/2025 and subject to change without notice.

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Get in touch.

Phone: (832) 604-4848

Email: Click Here

Mail: 18540 Northwest Fwy, Houston TX 77065

Fax: (832) 604-4854

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: For dividend bearing accounts, the dividend rate and APY may change every dividend period based on the determination of the Credit Union Board of Directors. Regular Savings accounts are subject to a Tiered Rate. Your account will earn dividends according to the average daily balance in your account related to the table above.

Minimum Balance Requirements: The minimum balance requirements applicable to each account are stated above. For Savings accounts, the minimum balance is included in all reports listing balance information, but is not included in the "available balance." If the average daily balance is not met each day of the dividend period, you will not earn the stated Annual Percentage Yield.

Minimum Balance to Avoid Fees: If the average daily balance shown above is not met during each day of the dividend period, you will be charged a service fee as stated in the Fee Schedule.

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.

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 monthly from the 1st day of each month to the last day of each month and dividends will be calculated on your Average Daily Balance for each day on which your balance equals or exceeds the required minimum balance.

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

Accrual on Dividends: Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. For dividend bearing accounts, dividends will begin to accrue on the business day that you deposit non-cash items (e.g. checks) into your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends.

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. Fees could reduce the earnings on an account.

Fees for Overdrawing Accounts: Fees may be imposed on each check, draft, item, ATM Card withdrawal, debit card point of sale, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. Please refer to the Fee Schedule for current fee information. If a member account goes negative, they have 60 days to repay to return to their account to a positive balance.

You may consult the Funds Availability Policy for information regarding the availability of funds in your account. A fee of $30 for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit.

Account Limitations: For Financial Wizard (Youth Club Accounts) accounts, the age range allowed is newborn to 16 years of age. A parent, grandparent or guardian of a Financial Wizard member must be a joint account holder.