ESTABLISHED
Houston
1934
Texas
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
ECCU CARES
FOUNDATION
FOUNDATION
Our volunteer and service for employees and members to give back to the local Houston communities.
ENERGY CAPITAL
INSURANCE
INSURANCE
Providing members the best options for all personal and business insurance needs, including auto and life.
ECCU WEALTH
SERVICES
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.
- 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
Save on 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.
- Credit Cards
Choose the card that's best for you. - Auto Loan and Auto Refi
Get Started Here - 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.
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.
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
AVAILABLE IN ONLINE BANKING & THE ECCU MOBILE APP.