Energy Capital Credit Union
Headquarters
18540 Northwest Fwy
Houston, TX 77065
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2024 Overview
General Credit Union Information
Energy Capital is an NCUA insured institution located in Houston, TX. It was founded in 1935 and has approximately $252.04 millions in assets.
Who can join?
Corporate partners who membership is extended to as well as their families are:
Bimbo Bakeries
Federal Wage & Labor Law Institute
R & D Publishing
SBM Offshore
Bureau Veritas
Additionally, anyone who lives, works, worships or attends school, or businesses and other legal entities within a 10 mile radius of any of the union's seven branches. As well, family members of any of our current members are eligible for membership. However, if you do not meet any of the above requirements and you reside in Harris County, Texas, you are eligible for membership through the Friends of Consumer Freedom partnership which is free to new members.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61936 |
| Date Established | 1935 |
| Assets | $252.04 million |
| Loans | $200.54 million |
| Deposits | $217.30 million |
| Capital | $26.72 million |
Field of Membership Restrictions
Energy Capitol Credit Union of Texas is open to the residents of these qualified counties: Montogomery and Harris or within 10-miles of any branch office in any direction, employees of the partner companies listed on the credit union website and the family members of current credit union members.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.06% | $1 | $99 | Learn More |
| Int Ckg
|
0.06% | $2,500 | $3,499 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Energy Capital
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Energy Capital
To upload and update your bank's rates please register.
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Branches
Below are Energy Capital branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Energy Capital Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 954.75 | A | View Lobby Hours | |
| 963.30 | B | View Lobby Hours | |
| 963.90 | C | View Lobby Hours | |
| 965.77 | D | View Lobby Hours |
Climate Policy and Initiatives
ENERGY CAPITAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Energy Capital Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Energy Capital. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Energy Capital | U.S. Average |
|---|---|
| 14.96% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Energy Capital had $3,044,320 in non-current loans and $1,135,036 in owned assets. To cover these potential losses it had $26,723,118 in net worth and $1,205,457 in loans loss reserves. That gives it a Texas Ratio of 14.96%.
Net Worth
| Energy Capital | U.S. Average |
|---|---|
| 10.55% | 13.93% |
Energy Capital FCU has a net worth of 10.55% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Energy Capital
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