High-Yield Savings
A traditional savings account, but with an elevated dividend.
A high-yield savings account is 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. With an annual percentage yield higher than a regular savings account, you'll grow your money fast and protect your dollar in a rapidly changing economic environment. Get a sense of comfort knowing your money is safe and growing while remaining conveniently accessible should you need to access your funds.
When You Apply, You Unlock Access To These Features:
- Free Online & Mobile Banking with Bill Pay
- Free Mobile Banking with Mobile Deposit
- Free E-Statements with Online Check Images
- Free Account Alerts
Enjoy the Benefits of Energy Capital Credit Union
Find the ECCU Checking Account That is Perfect For You.
Energy Capital has exclusive checking accounts that each offer something different for everyone's unique financial need. Whether you're managing your daily expenses or planning for the future, our checking options empower you to bank confidently and efficiently.
- Free Star Checking
Perfect Everyday Checking Account
No Minimum Balance
No Monthly Fee
- Energy High Interest Checking
Earn an Elevated Dividend
ATM Fee Refunds
No Monthly Fee
No Minimum Balance
Why Bank at Energy Capital Credit Union?
Energy Capital Credit Union is a not-for-profit financial institution that supports our members' financial goals. We do this via savings and loan options that fit what each member needs from a banking partner. As a member, you get to vote and have a say in how our credit union runs.
Open your checking account today and experience the credit union difference.
Open your checking account today and experience the credit union difference.
ECCU offers a full suite of financial products and services.
- Checking and Savings Accounts
- Auto, Boat, Motorcycle and RV Loans
- Credit Cards and Personal Loans
- Cryptocurrency & Investing Options
- Retirement Accounts
- Financial Counseling
- Free Notary for Members
- And More!
Access Your Money Anytime, Anywhere
Life moves fast and your funds should move at the same speed. Energy Capital is committed to serving our members anytime and anywhere. With services like online banking, a wide ATM shared network, and conveniently located branches - you can access us with ease.
Mobile & Online Banking
With our digital banking experiences, you can take your finances with you on the go with our updated mobile app and access your funds with our online banking portal. Cards, transfer, investing, and more!
ATM Network
Deposit or withdraw what you need to at one of our branch located ATMs or at one of the many shared ATMs located across the Houston area. Locate an ATM near you here.
Member Support
Get in touch with us for any of your questions and concerns. Contact us online, by phone, in-person at one of our branches, or using our online chat feature. 
Get Started Today with an Energy Capital Credit Union Checking Account
Ready to take control of your finances? Opening a Checking Account with ECCU is quick, easy, and hassle-free. Join thousands of satisfied members that use ECCU checking accounts for their everyday purchases.
What You Need To Apply:
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Government issued ID/Drivers License/State ID or Passport with current address
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Your complete physical and mailing address
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Social Security Number
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Date of Birth
How To Apply:
- Stop by one of our ECCU branch locations in Katy, Northwest Houston in Jersey Village, or Spring
- Use quick and convenient 3-step online application
Home Loan Options
FIRST MORTGAGE, SECOND MORTGAGE, HOME IMPROVEMENT LOAN
AND HOME EQUITY LOANS
AND HOME EQUITY LOANS