Energy Capital Credit Union
Verified rate book
Current Energy Capital Credit Union rates
15 published offers verified as of August 3, 2026.
Auto & vehicle rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Auto Loanauto_used | 4.500% APR | 4.500% | used | Standard |
| New Auto Loanauto_new | 4.500% APR | 4.500% | new | Standard |
| New Boats (Current model year only)boat_new | 8.150% APR | 8.150% | new | Standard |
| New Motorhomes/Travel Trailers (Current model year only)rv_new | 8.150% APR | 8.150% | new | Standard |
| Used Motorhomes/Travel Trailersrv_used | 9.150% APR | 9.150% | used | Standard |
| New Motorcycle, ATV, or Jet-Ski (Current model year only)motorcycle_new | 9.150% APR | 9.150% | new | Standard |
| Used Motorcycle, ATV, or Jet-Skimotorcycle_used | 9.400% APR | 9.400% | used | Standard |
| Used Boat Loanboat_used | 9.750% APR | 9.750% | used | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 3.000% APR | 3.000% | — | Standard |
| Personal Line of Creditploc_variable | 8.500% APR | 8.500% | — | Standard |
| Lightning Fast Home Improvement Loanpersonal | 9.350% APR | 9.350% | — | Standard |
| Signature/Personalpersonal_unsecured | 11.350% APR | 11.350% | — | Standard |
Credit card rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Platinum Credit Cardcredit_card_platinum | 12.490% APR | 12.490% | — | Standard |
| MasterCard Platinum Rewardscredit_card_rewards | 13.490% APR | 13.490% | — | Standard |
| MasterCard WorldCardcredit_card | 14.490% APR | 14.490% | — | Standard |
Vehicle loans available from 4.5% APR. Personal loan rates from 3% APR. Credit card rates from 12.49% APR.
Source: RateAPI.dev, verified from Energy Capital Credit Union's official website
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About Energy Capital Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 19.7K
- Assets
- $261.2M
- Founded
- 1935
- Locations reported
- 4
- NCUA charter
- 61936
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Energy Capital Credit Union
Membership eligibility from Energy Capital Credit Union's own published criteria. How we verify this.
Community charter: live/work in Houston, Katy, Spring
Verified from Energy Capital Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Energy Capital Credit Union?
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Frequently Asked Questions
What rates does Energy Capital Credit Union offer?
Energy Capital Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are Energy Capital Credit Union rates updated?
RateAPI verifies Energy Capital Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get Energy Capital Credit Union's rate data?
Rate data is collected directly from Energy Capital Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Energy Capital Credit Union's auto, rv, boat & motorcycle loan rates?
As of August 3, 2026, Energy Capital Credit Union offers vehicle loans from 4.5% APR.
What is Energy Capital Credit Union's personal loan rate?
As of August 3, 2026, Energy Capital Credit Union offers personal loans from 3% APR.
Related Rate Data
Compare Energy Capital Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Energy Capital Credit Union rates
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# Get rates for Energy Capital Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/energy-capital" \
-H "Authorization: Bearer YOUR_API_KEY"