Energy Capital Credit Union is a full-service financial institution offering a solutions for you and your family's financial needs.


Join ECCU Today!

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Earn up to 71 Times more at Energy Capital Credit Union!

Saving money is not always easy, but it sets you up for a financially secure and abundant future.
Whether you dream of a comfortable retirement, a down payment on your dream home, or building a safety net for unforeseen circumstances and expenses, a savings account is your ticket to financial freedom. At ECCU, we have a variety of high earning savings accounts to maximize your money.

3% High Yield Savings
Get More with a High-Yield Savings Account

Get the most out of your short-term savings account.  Earn 3.00 % APY without locking your funds in long-term. Our High-Yield savings allows you to take advantage of higher rates while you decide where to place your funds long term.  Visit our friendly Campus staff located in the Mercantile or open it online today!

Open Today!


5% APY

Make Your Money Work for you with a Energy High-Interest Checking Account

Earn top dividends on your everyday checking account balance.  With our Energy High-Interest Checking Account, earn up to 5.00 % APY when you complete a few simple steps each month:

  • Complete 12 debit card transactions
  • Enroll in eStatements
  • Log into Online or Mobile Banking once per month
It's that simple!  There's no minimum account balance and no monthly service charge!  We'll even pay you if you don't meet the monthly requirements!  Start earning today!
 
 
 



Your Deposits Are Protected
Recent news regarding bank failures may have you wondering how secure your deposits are with ECCU.  First and foremost, Energy Capital Credit Union is financially sound.  We've built our credit union on a foundation of sound business practices with one focus in mind - protecting our members.  All deposit accounts at Energy Capital Credit Union are protected by the National Credit Union Share Insurance Fund up to $250,000 per account owner.  We can even protect deposits up to $1,750,000 or more, in certain instances, all at no additional cost to you - another added benefit of being an ECCU member.

Click here to learn more about this exclusive coverage and how you can bring additional funds to ECCU to take advantage of this free protection!



Our History Together

Energy Capital Credit Union and ExxonMobil have been intertwined from the credit union's beginning. In 1934, a small group of Humble Oil Employees came together to form what would become Energy Capital Credit Union.

At the time, loan sharks were the main source of financing, and our founders decided to lend to each other to help free one another from the harsh lending practices. Today, we still use the same philosophy of people helping people. It's what makes a credit union unique. And here, you're a member-owner of the credit union!

ECCU has been the preferred financial institution for ExxonMobil employees for generations, and we are honored to continue the tradition for you and your family. If you work or have access to the Houston campus, visit the full-service branch in Nature 2 or access one of the four ATMs available to you onsite.

Join ECCU Today!


Visit the Full-Service Branch on Campus

Nature 2, Mercantile Building

(Next to Orange Leaf) 

PLUS! 4 ATMs 



More Products and Services 


Checking
& Savings
Loans

Member Benefits

Accessibility

  • Energy High-Interest Checking
  • Power Checking
  • 50 Watt Checking
  • Free Star Checking
  • High Yield Savings
  • Regular Savings
  • Spark Youth Savings
  • High-Yield Money Market
  • Share Certificates
  • Auto
  • Mortgage
  • Home Equity
  • Personal
  • Lightning Fast Home Improvement
  • MasterCard® WorldCard
  • MasterCard® Platinum Rewards Credit Card 
  • MasterCard® Business Rewards Credit Card
  • RV, Travel Trailer
  • ATV, Motorcycle, Boat, Jet-Ski
  • $250,000 NCUA Account Insurance
  • Direct Deposit w/ Early Pay Day
  • Full Service Insurance Agency
  • Wealth Management Services
  • Online Banking
  • Mobile Banking
  • Online Bill Pay
  • Mobile Check Deposit
  • Free Notary Services
  • Exclusive Member Discounts
  • Online account access 24/7
  • Mobile Banking via our free app
  • 30,000 surcharge-free  nationwide ATM network
  • 5,000 locations worldwide with shared CU Financial Centers
  • Live chat & Call Center available
    Monday – Friday 9:00am – 5:00pm
    Saturday
    9:00am – 12:00pm
  • 3 locations in the Houston area



Energy Capital Insurance: Energy Capital Insurance is part of Energy Capital Wealth Services, LLC - a CUSO wholly owned by Energy Capital Credit Union. CU Financial Group, LLC is a CUSO partnering with Energy Capital Insurance. Coverage is subject to policy terms, conditions and underwriting eligibility. Limits, exclusions and deductibles may apply. Discounts are not available in all states and discounts vary by state. Credits and discounts may not be available on all coverages or policies. No purchase necessary in order to obtain a quote.

Energy High Interest Checking: The highest dividend rate only applies to balances up to $20,000. In order to receive the highest dividend rate each month the following actions must be met on a monthly basis: 12 debit card transactions per month, log in to online banking at least once, be enrolled in E-Statements. If the actions are not met the dividend rate for the month not met will be .01%, regardless of the balance. 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.  
 
Checking Accounts: *APY=Annual Percentage Yield. Credit union rules and regulation apply. 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. 
 

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. Hi-Yield Money Market 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 minimum 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 minimum 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: Federal Regulations limit you to six (6) telephone or preauthorized transfers/withdrawals per month from each Money Market Account. You may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a draft, debit card (if applicable), pre-authorized or automatic transfer or telephone order of instruction. If you exceed these limitations, your account may be subject to a fee or be closed. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent no less than 7 days and up to 60 days before any such withdrawal. 

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 for Overdrawing Accounts: Fees may be imposed on each check, draft, item, ATM Card withdrawal, debit card point of sale, pre-authorized 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. 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. Please refer to the Fee Schedule for current fee information. 

CDs: Annual Percentage Yield (APY)  is accurate as of the last dividend declaration date. Rates offered for new CDs may change monthly as determined by the Credit Union. The minimum deposit and balance required to earn dividends is $1,000. When account matures, funds will automatically roll over unless member elects to have funds deposited to their share upon maturity.