Energy Capital Credit Union

Official name

Energy Capital Credit Union

Charter / type

NCUA-insured credit union (confirm via NCUA locator). Houston-area community CU (Humble Oil employees roots; community FOM since 2022 expansion).

Field of membership (summary)

Published About ECCU page (2022 FOM expansion): any individual who lives, works, worships, attends school, or any business entity in Harris, Montgomery, Liberty, Brazoria, Fort Bend, and Waller Counties. Also: immediate family members of any existing ECCU member that lives in the same household.

Join steps (as published)

Confirm county. Open a share/savings account — Regular / High-Yield / Special Savings and Spark Savings pages publish a $5 minimum opening deposit. Apply via ECCU channels; confirm current join flow on eccu.net.

Fees (only if published)

Savings pages publish $5 minimum opening deposit for Regular, High-Yield, Special, and Spark Savings. Membership requires maintaining at least one share. Other fees: see ECCU fee schedule — not fully transcribed this pass.

ATM / network notes

30,000+ ATMs via the Co-Op Network (published on About page).

Branches serving Greater Houston

Community branches in Katy, Jersey Village & Spring (published). Use eccu.net locations — do not invent addresses.

Caveats

Six-county FOM (includes Harris / Montgomery / Brazoria / Fort Bend — not Galveston on the list). CIP always applies.

Join difficulty rationale

Easy — published six-county Houston live/work/worship/school/business path.

Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.