Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Energy Capital Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
Energy Capital Credit Union's top rates as of October 13, 2026 are 4.00% APY on its IRA CD - 12 Month, 2.74% APY on savings, 0.75% APY on money market accounts, 4.51% APY on checking, personal loans from 8.50% APR, and credit cards from 12.49% APR, according to rates verified by MonitorBankRates. Other Energy Capital Credit Union CD rates include 6 Month CD at 3.75%, IRA CD - 24 Month at 3.50%, and IRA CD - 36 Month at 3.25%. MonitorBankRates evaluates the financial stability of Energy Capital Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.18%. Rates last updated and verified on 10/13/2026.
Energy Capital Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Energy Capital Credit Union? Share your experience about Energy Capital Credit Union by leaving a review below, or read customer reviews before you decide to use Energy Capital Credit Union.
Energy Capital Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Energy Capital Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
5.18%
ExcellentLower than avg
Energy Capital Credit Union Texas Ratio
Energy Capital Credit Union's Texas Ratio is 5.18%, which is considered excellent and is lower than the national average of 6.13%.
Energy Capital Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
6.04% to 5.18% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Energy Capital Credit Union CD Rates
Product
Rate
APY
Term
View More
IRA Certificate - 12 Month
-
4.00%
12 Month
Min Deposit$500
DetailsEffective 10/1/2025; APY*
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
6 Month Certificate
-
3.75%
6 months
Min Deposit$500
Min Balance$500
DetailsConsumer Only; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
IRA Certificate - 24 Month
-
3.50%
24 Month
Min Deposit$500
DetailsEffective 10/1/2025; APY*
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
IRA Certificate - 36 Month
-
3.25%
36 Month
Min Deposit$500
DetailsEffective 10/1/2025; APY*
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
IRA Certificate - 48 Month
-
3.25%
48 Month
Min Deposit$500
DetailsEffective 10/1/2025; APY*
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
IRA Certificate - 60 Month
-
3.00%
60 Month
Min Deposit$500
DetailsEffective 10/1/2025; APY*
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
12 Month Certificate
-
2.50%
12 months
Min Deposit$500
Min Balance$500
DetailsConsumer or Business; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
24 Month Rising Rate - New Money Certificate
-
2.25%
24 months
Min Deposit$500
Min Balance$500
DetailsConsumer Only; Rising Rate option: rate may change once during the original term to the current rate for the same term; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
90 Day Jumbo Certificate
-
2.25%
90 days
Min Deposit$50,000
Min Balance$50,000
DetailsConsumer Only; Minimum Balance to Open $50,000; Minimum Balance to Earn APY $50,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
24 Month Certificate
-
2.00%
24 months
Min Deposit$500
Min Balance$500
DetailsConsumer or Business; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
24 Month Rising Rate Certificate
-
2.00%
24 months
Min Deposit$500
Min Balance$500
DetailsConsumer Only; Rising Rate option: rate may change once during the original term to the current rate for the same term; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
36 Month Certificate
-
1.75%
36 months
Min Deposit$500
Min Balance$500
DetailsConsumer or Business; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
48 Month Certificate
-
1.75%
48 months
Min Deposit$500
Min Balance$500
DetailsConsumer or Business; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
60 Month Certificate
-
1.75%
60 months
Min Deposit$500
Min Balance$500
DetailsConsumer or Business; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
No change since Sep 18, 2026 · 2.24% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Savings
-
1.49%
Min Deposit$5
Min Balance$500,000
DetailsBalance: $500-000 - $99,999,999,999 (as printed); Checking: No Checking
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.49% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Savings
-
1.49%
Min Balance$50,000
DetailsBalance: $50,000 - $249,999; Yes Checking; Minimum Balance to Avoid $10 Fee: N/A; Fee waived if member has checking, direct deposit, or maintains the minimum balance
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 1.74% → 1.49% ▼ 0.25 pts · high 1.74% / low 1.49%
Oct 13, 20261.49%▼ from 1.74%
Sep 18, 20261.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Savings
-
1.49%
Min Balance$500
DetailsBalance: $500-000 - $99,999,999,999; No Checking; Minimum Balance to Avoid $10 Fee: N/A; Fee waived if member has checking, direct deposit, or maintains the minimum balance
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.74% → 1.49% ▼ 1.25 pts · high 2.74% / low 1.49%
No change since Sep 18, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Savings
-
0.24%
Min Deposit$5
Min Balance$0
DetailsBalance: $0 - $9,999; Checking: No Checking
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.24% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Savings Accounts
-
0.07%
Min Deposit$5
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Savings Accounts
-
0.07%
Min Deposit$5
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Savings Accounts
-
0.07%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000 and up
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Savings Accounts
-
0.05%
Min Deposit$5
Min Balance$100
DetailsBalance: $100 - $9,999; Minimum Balance to Avoid a Fee: $1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Secondary Savings
-
0.05%
Min Deposit$0
Min Balance$100
DetailsMinimum Balance to Earn APY: $100
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Spark Savings (Youth Account)
-
0.05%
Min Deposit$5
Min Balance$5
DetailsMinimum Balance to Earn APY: $5
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
-
1.74%
Min Deposit$5
Min Balance$100
DetailsMinimum Balance to Avoid a Fee: $5,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.74% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union Money Market Rates
Product
Rate
APY
View More
High-Yield Money Market
-
0.75%
Min Deposit$1,000
Min Balance$250,000
DetailsBalance: $250,000 and up; Minimum Balance to Earn APY: $2,500; Minimum Balance to Avoid a Fee: $2,500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Money Market
-
0.75%
Min Deposit$1,000
Min Balance$2,500
DetailsBalance: $250,000 and up; Minimum Balance to Obtain APY: $2,500; Minimum Balance to Avoid Fee: $2,500; Tiered rate account; 6 withdrawals per month
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Money Market
-
0.50%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Minimum Balance to Earn APY: $2,500; Minimum Balance to Avoid a Fee: $2,500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Money Market
-
0.50%
Min Deposit$1,000
Min Balance$2,500
DetailsBalance: $100,000 - $249,999; Minimum Balance to Obtain APY: $2,500; Minimum Balance to Avoid Fee: $2,500; Tiered rate account; 6 withdrawals per month
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Money Market
-
0.25%
Min Deposit$1,000
Min Balance$0
DetailsBalance: $0 - $99,999.99; Minimum Balance to Earn APY: $2,500; Minimum Balance to Avoid a Fee: $10 if balance < $2,500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
High-Yield Money Market
-
0.25%
Min Deposit$1,000
Min Balance$2,500
DetailsBalance: $0 - $99,999; Minimum Balance to Obtain APY: $2,500; Minimum Balance to Avoid Fee: $2,500; Tiered rate account; 6 withdrawals per month
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union Checking Rates
Product
Rate
APY
View More
High-Yield Checking
-
4.51%
Min Balance$0
DetailsQualifications Required; Qualifying balance up to $20,000.00; Earn up to $900 annually on qualifying balances; $0 monthly maintenance fees
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 4.51% → 4.51% ▼ 0.00 pts · high 4.51% / low 0.10%
Oct 13, 20264.51%▲ from 0.10%
Sep 22, 20260.10%▼ from 4.51%
Sep 14, 20264.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Interest Checking
-
2.24%
Min Deposit$25
Min Balance$5,000
DetailsMonthly Service Fee: $0
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.24% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Autos (Current model year)
-
-
4.50%
48 - 84 months
DetailsAs Low As; Current model year
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Used Autos
-
-
4.50%
48 - 84 months
DetailsAs Low As
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 5.50% / low 4.50%
Oct 13, 20264.50%▼ from 5.50%
Oct 9, 20265.50%▲ from 4.50%
Sep 14, 20264.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Boats (Current model year only) Loan
-
8.15%
84-180 months
DetailsAs Low As; Current model year only
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.15% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
New Motorhomes/Travel Trailers (Current model year only) Loan
-
8.15%
84-180 months
DetailsAs Low As; Current model year only
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.15% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
New Motorcycle, ATV, or Jet-Ski (Current model year only) Loan
-
9.15%
72 - 84 months
DetailsAs Low As; Current model year only
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.15% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Used Motorhomes/Travel Trailers Loan
-
9.15%
84-180 months
DetailsAs Low As
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 9.15% → 9.15% ▼ 0.00 pts · high 10.15% / low 9.15%
Oct 13, 20269.15%▼ from 10.15%
Oct 9, 202610.15%▲ from 9.15%
Sep 14, 20269.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Used Motorcycle, ATV, or Jet-Ski Loan
-
9.40%
72 months
DetailsAs Low As
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 9.40% → 9.40% ▼ 0.00 pts · high 10.40% / low 9.40%
Oct 13, 20269.40%▼ from 10.40%
Oct 9, 202610.40%▲ from 9.40%
Sep 14, 20269.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Used Boats Loan
-
9.75%
84-180 months
DetailsAs Low As
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 9.75% → 9.75% ▼ 0.00 pts · high 10.15% / low 9.75%
Oct 13, 20269.75%▼ from 10.15%
Oct 9, 202610.15%▲ from 9.75%
Sep 14, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union Credit Card Rates
Product
Rate
APR
View More
MasterCard Platinum
-
12.49%
DetailsAs Low As; Annual Fee: $0
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 12.49% → 12.49% ▼ 0.00 pts · high 12.74% / low 12.49%
Oct 13, 202612.49%▼ from 12.74%
Oct 9, 202612.74%▲ from 12.49%
Sep 14, 202612.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
MasterCard Platinum Rewards
-
13.49%
DetailsAs Low As; Annual Fee: $0; Rewards Earning Rate: Up to 1.5X Rewards for Qualifying Purchases
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 13.49% → 13.49% ▼ 0.00 pts · high 13.74% / low 13.49%
Oct 13, 202613.49%▼ from 13.74%
Oct 9, 202613.74%▲ from 13.49%
Sep 14, 202613.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
MasterCard WorldCard
-
14.49%
DetailsAs Low As; Annual Fee: $0; Rewards Earning Rate: Up to 2X Rewards for Qualifying Purchases
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 14.49% → 14.49% ▼ 0.00 pts · high 14.74% / low 14.49%
Oct 13, 202614.49%▼ from 14.74%
Oct 9, 202614.74%▲ from 14.49%
Sep 14, 202614.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Line of Credit
8.50%
DetailsAs Low As; Advertised APR assumes qualification for the maximum available rate discount
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Signature/Personal Loan
11.35%
Up to 60 months
DetailsAs Low As; Advertised APR assumes qualification for the maximum available rate discount
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 11.35% → 11.35% ▼ 0.00 pts · high 11.75% / low 11.35%
Oct 13, 202611.35%▼ from 11.75%
Oct 9, 202611.75%▲ from 11.35%
Sep 14, 202611.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Energy Capital Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Lightning Fast Home Improvement Loan
-
-
9.35%
Up to 60 months
DetailsAs Low As; Advertised APR assumes qualification for the maximum available rate discount
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.35% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Indirect Share
-
-
0.05%
Min Deposit$1
Min Balance$100
DetailsMinimum Balance to Avoid a Fee: $1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Roth IRA
-
-
3.00%
Min Deposit$5
Min Balance$100
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Traditional IRA
-
-
3.00%
Min Deposit$5
Min Balance$100
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Financial Health History
Energy Capital Credit Union’s Texas Ratio fell from 6.04% in Q3 2023 to 5.18% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$261M
5.18%
5.0
A+
March 31, 2026
$261M
5.00%
5.0
A+
December 31, 2025
$262M
7.45%
5.0
A
September 30, 2025
$254M
7.19%
5.0
A
June 30, 2025
$254M
7.94%
5.0
A
March 31, 2025
$253M
6.20%
5.0
A
December 31, 2024
$253M
6.99%
5.0
A
September 30, 2024
$251M
6.72%
5.0
A
June 30, 2024
$252M
5.37%
5.0
A+
March 31, 2024
$265M
6.02%
5.0
A
December 31, 2023
$267M
4.27%
5.0
A+
September 30, 2023
$261M
6.04%
5.0
A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Energy Capital Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Energy Capital Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Energy Capital Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,697,886
Total Uninsured Shares and Deposits > $250K (F+J)
23,697,886
Total Insured Shares and Deposits > $250K (item 17 less item K)
205,527,506
Total Interest Expense (Sum of items 6 8)
1,941,416
Share Certificates
956
Number of Accounts for Share Drafts
9,991
IRA KEOGH Accounts
24
Number of Accounts for Regular Shares
18,177
Non Member Deposits
50
Money Market Shares
200
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,765,538
Total Liabilities
236,993,576
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Energy Capital Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Energy Capital Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Energy Capital Credit Union
Frequently Asked Questions About Energy Capital Credit Union
How many branches does Energy Capital Credit Union operate?
Energy Capital Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Energy Capital Credit Union?
Yes, to access services at Energy Capital Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Energy Capital Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Energy Capital Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Energy Capital Credit Union offer online and mobile banking?
Most modern institutions like Energy Capital Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.eccu.net.
Current Energy Capital Credit Union Rates
12-Month CD2.50%
24-Month CD2.00%
60-Month CD1.75%
Savings2.74%
MMA0.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
