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High-Yield Checking
4.51% APY*
More Than a Place to Bank
As an ExxonMobil employee, you have access to financial products, digital tools and personalized support designed to make managing your money easier.
Earn MoreMake your everyday balance work harder with High-Yield Checking and competitive savings options.
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Borrow SmarterExplore financing for vehicles, credit cards, home needs and more.
Bank AnywhereManage your money with online and mobile banking, mobile deposit, Zelle®, account alerts and access to thousands of surcharge-free ATMs.
Build Your Financial FutureFrom insurance and investing to personalized financial guidance, ECCU can support you through more stages of your financial life.
Make Your Paycheck Work Harder with High-Yield Checking
Earn up to $900* a year on your checking balance!
Why let your everyday checking balance sit there when it could be earning more? With ECCU High-Yield Checking, you can earn 4.51% APY* while still having easy access to your money for everyday spending.
FOR A LIMITED TIME ONLY* OPEN A CHECKING ACCOUNT + EARN UP TO $300!
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All it takes is 2 easy account actions to earn the 4.51% APY* each month on your checking account balance:
- Make 12 Debit Card transactions per month
- Set up direct deposit
Plus, enjoy:
- $0 monthly service charge
- $0 minimum balance requirement
- Online & Mobile Banking with Zelle®
- Mobile check deposit
- Access to surcharge-free ATMs
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New to the U.S.? We’re Here to Help.
New to the U.S. on an ExxonMobil assignment? Energy Capital Credit Union is here to help you feel at home financially.
ExxonMobil employees working in the United States — including those here on temporary international assignments — are eligible to join ECCU.
We can help make your transition easier with access to checking accounts, credit cards, auto loans, convenient digital banking and other financial services designed to support your everyday needs while you’re here.
Set Up Your U.S. BankingOpen a checking account, receive your ExxonMobil direct deposit and manage your money through online and mobile banking.
Explore Credit Card OptionsAccess ECCU Mastercard® credit card options for everyday purchases and other financial needs, subject to credit approval.
Finance a VehicleNeed transportation while you're in the U.S.? Explore ECCU auto financing options available to qualifying members.
Whether you're setting up direct deposit, purchasing a vehicle or simply looking for a trusted financial partner in the U.S., our team is ready to help.
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ECCU Goes Wherever You Go
Whether you're on the ExxonMobil campus, elsewhere in Houston or working somewhere else in the U.S., your ECCU accounts are never far away.
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- Online and mobile banking
- Manage, buy, and sell stocks and crypto in our mobile app
- Mobile check deposit
- Zelle®
- Account alerts and transfers
- Access to thousands of surcharge-free ATMs
- Convenient Houston-area branch locations
You Don’t Have to Work or Live in Houston to Bank with Us.
Manage your accounts, move money, deposit checks and stay connected to ECCU wherever work takes you.
Need a Vehicle? Start With ECCU.
Whether you're purchasing your first vehicle in the U.S., replacing your current vehicle or looking to refinance, ECCU can help you explore financing options that fit your needs.
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- New and used auto loans
- Auto loan refinancing
- Preapproval options
- Flexible financing solutions
- Personalized assistance from our lending team
Your Financial Life in One Place
Your relationship with ECCU can go beyond everyday checking. As your financial needs change, we're here with products and services that can grow with you.
 Checking & SavingsEveryday banking options designed to help you manage and grow your money. |
 Auto LoansEveryday banking options designed to help you manage and grow your money. |
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 Credit CardsFlexible card options for purchases, rewards, and balance transfers. |
 Home LendingExplore mortgage and home equity options for your next move or home project. |
 InsuranceProtect what matters with coverage options available through Energy Capital Insurance. |
 Investing & Wealth ManagementBuild toward your financial goals with investment and financial planning solutions. |
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Plan for What’s Next
Your financial goals don't stop with checking and savings. Explore investment and wealth management solutions designed to help you prepare for what's ahead.
Whether you're just getting started or looking for more personalized guidance, ECCU offers options to help you invest toward your goals.
- Retirement Plans
- College Plans
- Money Management
- Stocks, Bonds & Mutual Funds
- And More!
A Relationship Built on Energy
Our connection to the energy industry isn't new.
Energy Capital Credit Union's roots date back to 1934, when the credit union was originally established to serve employees of Humble Oil. Today, we continue that tradition by helping ExxonMobil employees and their families manage their money, reach their goals and build stronger financial futures.