Energy Capital Credit Union, or ECCU for short, is a Not-For-Profit Organization offering a full-suite of financial products. At ECCU, our main purpose is to provide our members with the tools they need to realize their dreams. Whether you are hoping to save money, buy a home, or purchase your first car, we want to help you grow to accomplish your goal.
In 1934, a small group of Humble Oil Employees came together to form what would become Energy Capital Credit Union. At the time, loan sharks were the main source of financing, and our founders decided to lend to each other to help free one another from the harsh lending practices. You are a member-owner, so you get to vote and have a say in how the credit union functions.
In 1934, a small group of Humble Oil Employees came together to form what would become Energy Capital Credit Union. At the time, loan sharks were the main source of financing, and our founders decided to lend to each other to help free one another from the harsh lending practices. You are a member-owner, so you get to vote and have a say in how the credit union functions.
Services
Credit union rules and regulation apply. Other fees such as non-sufficient funds, overdraft, continuous overdraft fees, etc. may apply. See the Fee Schedule for more details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift is provided at time of account opening. We reserve the right to substitute a gift of similar value.
Shopping for insurance is complicated and time consuming. Take the hassle out of finding great insurance at a good price by letting Energy Capital Insurance customize coverage to your needs. Energy Capital Insurance makes your life easier by finding the best quotes for you-- giving you time to do what you want.
Energy Capital Credit Union Savings Accounts are safe and secure way to save your money! Whether you need an account to save for a vacation, doctor appointments, or college, we have an account to help you accomplish your money saving goals. NCUA: Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency.
Lock in higher savings rates with an Energy Capital Credit Union Certificate Account. With competitive rates and terms from 90 days to 60 months, we can help you grow your funds without the fear of loss. Use the CD calculator to find out how much interest you can earn. Rates are subject to change. APY is accurate as of the last dividend declaration date.
Find out which card will save you the most money and give you the best return on your purchases. Whether you need a card that offers cash back rewards, a low rate on balance transfers or double and triple the incentives, you are covered. Plus, get rewarded for the things you do the most with 2x or 3x the cash back rewards on gas, groceries and restaurant purchases.
Reviews (12)
David Rosa
Jan 14, 2022
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Take your business somewhere else, had fraud charges during Christmas time someone ran up my card at the same gas station several times $800 in total. 2 weeks later I’m yet to get a call back and update or my funds. I have called several times on hold 45 minutes until I get hung up on. When I go to branch they say they are looking into.
Do yourself a favor and bank else where.
Do yourself a favor and bank else where.
Sarah N.
Jan 05, 2022
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Let me start off by first saying that I used to love ECCU. I've been a member with them since 2012 and I have financed multiple vehicles with them and lines of credit. Over the last year or so I can honesty say that the level of customer service and flat out care for their members has diminished to less than nothing. Being a member of a small credit union you would think you would get treated better than being with a big bank like Chase or Wells Fargo. WRONG! Hold times to get through to a representative are well over 30 minutes each time if they even answer They are getting a new CEO in January
Imani
Sep 22, 2021
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Susan Rhodes
Aug 02, 2021
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Ibriana Lopez
Jun 26, 2021
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Austin Webb
Apr 16, 2021
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The absolute worst experience I have ever had dealing with a bank ever! I have financed 3 vehicles here but the last one was miss handled so bad it costed me 100 points on my credit score. Maurice McShepard was my loan consultant and never finished my paper work properly resulting my loan going to collections! They are too busy going on 2 week vacations and trying to do everything by email. All not wanting to help you in person anymore that results in halfway doing their job. All they can say it was our mistake but you can dispute it with the credit bureaus. I definitely should have went to my
Tommie English
Aug 16, 2020
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Jun Smith was a pleasure to work with at Energy. I was so nervous and she made everything so easy. I had worried about setting up a business account for weeks and when I got Jin, I asked why had I stressed so horribly. Her enthusiasm, assurance and follow up made it very easy to do business! I am very excited about my choice and hope she is indicative of the service at all times!
Rolanda Williams
Sep 15, 2019
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I called with concerns about my account and the fact the bank does not have a deposit option on their ATM machines for after hours. Kristina was very patient, informative and understanding. She helped me with my account and stated she would sent to her leadership my concerns. After speaking with her she sent me a follow up email and called to ensure me my concerns were addressed. Great customer service wins with me every time. I appreciate ECCU for having someone in place like Kristina.
Miriam R.
Nov 10, 2018
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This is my favorite Credit Union. The tellers are friendly and happy to help. Today I went in to make several changes and Teller Maria happily helped me finalize what I needed. I also want to thank her for recommending Power Checking to me. Now I can stop paying $9.99 to monitor my credit elsewhere as it's going to be done for half that price now that I have Power Checking. Every little savings counts! Thanks Maria! I'm glad you were at the Northwest Freeway location today!
Jeanne Bagley
Aug 06, 2018
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I’ve banked with this Credit Union for years. I’ve never had a bad experience and most recently decided to purchase a new car. Not only did the Bank Manager assist me in finding a preferred dealership, he also took the time to explain the process and gave me tips on preparing for dealing with the salesman. Once the deal was made I knew I wanted to finance with the Credit Union and their rates were 1/2 as much as the dealership rates. I worked with Corynn Rhodes and couldn’t have had a better experience. I didnt even have to go into the bank. She handled all the transactions electronically
Eric
Jun 25, 2018
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Just recently got a new truck and was very impressed with the customer service my wife and I received. They quickly sent me on my way with what they call a premier check so I could go to the dealership after the credit unions business hours. The warranties they offer are great and for an good price too.
When I called to get my account number the customer service rep was very helpful at getting me all the information I needed to set up my payments online. I will also note that the rewards system on debit card transactions are awesome too. Not many banks offer rewards for debit purchases. I highly
When I called to get my account number the customer service rep was very helpful at getting me all the information I needed to set up my payments online. I will also note that the rewards system on debit card transactions are awesome too. Not many banks offer rewards for debit purchases. I highly
Lindsey J.
Jun 13, 2018
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I've been here two times because this location is closer to my new job. Every time I come to this location it's an issue. The first time I wanted to get money from my account and she told me she couldn't process it and needed me to come in. The second time I went through drive through I filled the slip out to withdrawal money and it back to me saying that the last four of social security number was required to withdraw money from my account I have with Energy Capital. I'll be looking for another bank. I shouldn't have issues every time I come in.
