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High-Yield Checking
Power Up Your Savings
Energy Capital Credit Union has savings and checking accounts perfect for your everyday banking needs.
All ECCU checking accounts include these benefits for all members:
- Free MasterCard® Debit Card
- Free Mobile App and Mobile Check Deposit
- Free Online Banking, eStatements & Bill Pay
- 30,000+ free ATMs nationwide
- Zelle® Transfers
- Free Thank You Gift with Every New Checking Account
- Free Financial Counseling Available
High-Yield Checking
Currently Earning 5.25% APY*
With the High-Yield Checking account you can earn more with your primary spending account and it's as simple as 1, 2, 3.
Benefits include ATM fee refunds, no monthly service charge or minimum balance required.
5.25 % APY* on balances of $1 to $20,000. 0.10 % APY* on balances greater than $20,000.
All it takes is 2 easy account actions to earn the 5.25% APY* each month on your checking account balance:
- Make 12 Debit Card transactions per month
- Set up direct deposit
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Accessibility is Important
Always have access to your account, when you need it.
- 3 Community Branches
Katy, Jersey Village & Spring
Find the Closest Branch - 24/7 ATMs at our community branches
- 30,000+ ATMs via the Co-Op Network
Find an ATM Near Home or Worldwide - 24/7 Mobile App & Online Banking Access
First, Enroll in Online Banking
Second, Download the ECCU App
Apple App
Google / Android App - In-Branch, Drive Thru & Call Center Hours at our Community Branches
Weekdays 9 am - 5 pm
Saturdays 9 am - 12 pm
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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.
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- Credit Cards
Choose the card that's best for you. - Auto Loan and Auto Refi
Apply Online - Consolidate Debt with a Personal Loan or Balance Transfer Explore our Options.
- Home Improvement, Home Equity and Mortgage Loans
See ECCU's home loan options.
Business Accounts
Don't trust your small business to a big bank. ECCU is conveniently located and staffed with a friendly, reliable team that you can count on for all your business' financial needs.
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An account at Energy Capital Credit Union is a smart and easy financial decision for your business.
- Business Checking
- Business Interest Checking
- Business Savings
- Business CDs
- Business MasterCard®
- Merchant Card Services
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!
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Invest Today
for a Better Tomorrow
for a Better Tomorrow
We provide you the tools you need to manage your investments in online banking. With EasyVest & EasyCoin, you can get recommendations tailored to your specific financial goals!