Energy Capital Credit Union

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A short history of Energy Capital CU

Since its inception in 1935 the Energy Capital Credit Union has been serving its members in the Houston, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Randall Dixon, the Energy Capital CU has grown its membership to over 16,535 with assets of more than $227,210,041. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (832) 604-4848 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Houston, TX.

General Information For Energy Capital CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61936
Address 18540 Northwest Fwy 
City Houston 
State Texas 
Zip-Code 77065
Phone Number (832) 604-4848
Fax Number (832) 604-4854
Email Address:
CEO/President Randall Dixon
Members 16,535 
Full-Time Employees 43 
Part-Time Employees
Number of Branch Offices
Total Assets 227,210,041 

Compare Energy Capital Credit Union To Other Local Credit Unions

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Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Cy-fair CU Corporate Office 9601 Jones Rd 77065 (281) 890-7676 No 1.60
First Service CU Tunnel Systems Branch 1001 Louisiana St Ste B-195 77094 (713) 676-4339 No 3.29
First Community CU Spring market 2121 FM 2920 Rd 77284 (281) 856-5300 No 3.37
United Savers Trust CU United Savers Trust Credit Union 14159 NORTHWEST Fwy 77040 (713) 462-2553 No 6.55
Spco CU SPCOCU 2203 Timberloch Pl Ste 31 77086 (713) 455-8586 No 6.81

Energy Capital Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Energy Capital Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 13.40 4.02 4.02 4.00 6.33
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 469 284 206 138 375
Rank Among All Texas Credit Unions 107 107 74 36 96

Energy Capital Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.05 0.65 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 142 234 N/A
Rank Among All Texas Credit Unions N/A 51 38 78 N/A
Energy Capital Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.4003,6494,286,271
All Other Unsecured Loans/Lines of Credit 9.8601,0998,226,518
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.0201,63349,179,188
Used Vehicle Loans 4.0202,08337,342,619
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00017126,931,303
Total Other Real Estate Loans/Lines of Credit 6.33020910,213,209
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.7101,63442,419,563
TOTAL LOANS & LEASES 10,478178,598,671

Energy Capital Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 6813,808,27931,347,000
    b. 15 Years or less 9610,902,623192,732,189
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 72,220,40100


Closed-End Fixed Rate 20910,213,209291,874,718
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 38037,144,512515,953,907


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Energy Capital Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes