Energy Capital Credit Union Spring TX | Best Auto Loans & Business Banking

Introduction

Welcome to Energy Capital, your trusted financial partner since 1935! Located at 24396 I45 North, Spring, TX 77386, we take pride in serving our community with dedication and care. With a robust membership of 18,254 members and total assets exceeding $250 million, we are committed to providing exceptional banking services tailored to meet your needs. At Energy Capital, our mission goes beyond just numbers. We focus on building lasting relationships with our members, ensuring that each interaction leaves you feeling valued and supported. Whether you're looking for personal banking solutions like checking accounts and auto loans or business services such as merchant services and business loans, we have you covered. While members can visit us at our Spring branch, official correspondence should be sent to our mailing address: 18540 Northwest Fwy, Houston, TX 77065. With total deposits of $17,920,713 and a net worth of $26,796,896, we have the financial strength to support your aspirations. Our leadership team is dedicated to your success. Under the guidance of CEO Kanika Boutte and Board President Detra Johnson, we strive to create an inclusive environment where everyone can achieve their financial goals. With a team of 43 employees, we are here to assist you during our operating hours from 9:00 AM to 5:00 PM Monday through Friday and from 9:00 AM to 12:00 PM on Saturdays. Feel free to reach out at 832-604-4848 or visit us online at eccu.net for more information. Join us today and discover how Energy Capital can empower you on your financial journey!

Branch History & Mission

Our Mission

At the heart of Energy Capital is our mission statement: to deliver personalized financial solutions that empower individuals and families while enhancing the communities we serve. We believe in making banking accessible and straightforward for everyone. Our array of services includes personal checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. We understand that technology plays a vital role in modern banking. That's why we offer online and mobile banking solutions along with ATM access for your convenience. Our branch also features drive-thru service for quick transactions without leaving your vehicle. Community support is integral to who we are. We actively engage in outreach efforts to strengthen ties within Spring and its surrounding areas. By partnering with local organizations, we strive to make a positive impact on the lives of those around us. We invite you to join Energy Capital and experience firsthand the benefits of being part of a credit union that puts its members first. With every interaction, you'll feel valued and supported as you work towards achieving your financial goals. Come visit us today or give us a call at 832-604-4848 we're excited to welcome you into our community!

Branch Location & Accessibility

Connect With Us

For any questions or assistance, feel free to give us a call at 832-604-4848. We encourage you to stop by our Energy Capital branch today our team is eager to help you achieve your financial dreams!

Operating Hours

We understand that convenience is key. That's why we're open Monday through Friday from 9:00 am to 5:00 pm, and on Saturdays from 9:00 am until noon for drive-thru services. Our friendly team is here during these hours to provide personalized assistance with personal banking, auto loans, mortgages, and more.

Parking and Accessibility

Parking is readily available for our members, ensuring a hassle-free visit. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps. We want everyone to feel welcome and supported when they walk through our doors.

Services Offered

At Energy Capital, we offer a wide range of services tailored to meet your financial goals. From checking and savings accounts to auto loans and credit cards with rewards, we have what you need. Plus, our drive-thru service allows for quick transactions without leaving your vehicle. If you're part of a partner credit union, you can also take advantage of shared branch transactions right here!

Member Eligibility

At Energy Capital, we believe that everyone deserves the opportunity to be part of a friendly and supportive financial community. Becoming a member is an easy and inclusive process, welcoming individuals who live, work, worship, or attend school in our local area. Whether you're looking for personal banking solutions, loans, or simply a place where you can feel at home with your finances, Energy Capital is here for you. If you're curious about the specific eligibility requirements, you can find all the details on our website at . Opening an account is straightforward and designed with you in mind. Our team is ready to assist you every step of the way. Just give us a call at (832) 604-4848 or visit us at our convenient location: 24396 I45 North Spring Tx 77386. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that streamline payment processing and enhance customer experience. Picture this: a bustling café where customers can easily pay with mobile wallets or credit cards, boosting sales and customer satisfaction. With our tools and resources, you can focus on what you do best running your business. At Energy Capital, located at 24396 I45 North Spring Tx 77386 in Spring, TX, we're here to provide personalized financial solutions that empower your business to thrive. For more information, give us a call at (832) 604-4848 or visit our website at https://www.eccu.net . Let's take your business further together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have specific figures for member or non-member commercial loans, we are focused on creating opportunities for local entrepreneurs. Imagine securing a loan that allows you to invest in new equipment, hire additional staff, or launch a marketing campaign. These crucial steps can help elevate your business to new heights.

Comprehensive List Of Services

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking features allow you to manage your finances anytime and anywhere. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go. For those times when you need cash quickly, our ATM & Cash Withdrawal Services ensure access whenever you need it.

Drive-Thru and Shared Branch Transactions

We also provide basic drive-thru banking services for quick deposits, withdrawals, and simple transactions perfect for busy schedules! If you're a member of another participating credit union, take advantage of our Basic Shared Branch Transactions, allowing easy deposits and withdrawals. Whether you're visiting us in person or utilizing our digital tools, we're here to make banking easier for everyone in the community. If you'd like to learn more about how Energy Capital can assist with your financial needs or if you're ready to open an account today, give us a call at 832-604-4848 or visit us online at https://www.eccu.net . We look forward to serving you!

Flexible Lending Options

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services can help you tackle those challenges head-on. With competitive rates and flexible terms, we aim to provide solutions that work for you. Plus, don't forget about our Credit Cards with Rewards a great way to earn while you spend!

Personal Banking Made Easy

For individuals and families, we offer Personal Banking solutions that include checking and savings accounts tailored to fit your lifestyle. If you're planning to purchase a car, our Auto Loans & Vehicle Financing options make it simple and affordable. Imagine driving off in your new car with a loan that suits your budget! Additionally, if you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services are here to help you navigate the process smoothly.

Support for Local Businesses

For our business members, Energy Capital offers comprehensive Business Banking solutions. From Merchant Services that streamline transactions to various types of Business Loans, we understand what it takes to run a successful operation. We're dedicated to supporting local entrepreneurs in achieving their dreams.

Digital & Online Banking

Convenient Online Services

Our online banking services, accessible at https://www.eccu.net/ , allow you to check balances, transfer funds, and pay bills anytime, anywhere. You'll appreciate the convenience of managing your account 24/7 without having to visit a branch. Plus, our electronic signature authorization means you can complete transactions securely and efficiently, saving you time.

Easy Mobile Banking

For those who prefer banking on their smartphones, our mobile application is here to help. Available for download, it puts all the power of online banking right in your pocket. You can make person-to-person transfers with ease, utilize mobile payments for quick purchases, and stay updated on your account's activity all from your mobile device.

Security First

At Energy Capital, security is our top priority. We use advanced encryption and authentication methods to keep your personal information safe while you're banking online or using our app. You can rest easy knowing that your financial data is protected every step of the way. Whether you're checking balances during lunch or paying bills from home, our digital banking services make managing your money simpler than ever. Embrace convenience and control over your finances with Energy Capital where modern banking meets personal service!

Stay Updated with E-Statements

Say goodbye to paper clutter! With e-statements available at Yes, you can view your account statements online whenever you need them. This feature not only helps keep your records organized but also enhances security by reducing the risk of identity theft associated with paper statements.

Financial Strength

Committed Team of Professionals

We also take pride in having 43 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our operational efficiency is reflected in our current net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Growing Member Base

Total Share and Deposit Accounts: 27,174, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $0, further showcasing our commitment to fostering financial growth among our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Energy Capital is your trusted partner. Visit us at 24396 I45 North Spring Tx 77386 or call (832) 604-4848 to learn more about how we can help you achieve your financial goals.

Investments in Member Services

With $25,638,379 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $3,676 in used auto loans and $196,922,480 in total loans and leases.

Secure Savings Options

Members' savings are secured through $57,489,183 in share certificates and $10,741,746 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,157,342, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $26,796,896, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,065 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $53,256,084 in used vehicle loans and $47,401,726 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your vehicle purchase as smooth as possible. Plus, if you're considering refinancing your existing auto loan, we can help you explore eligibility options that could save you money.

Credit Lines

For those needing additional financial flexibility, our credit lines amounting to $36,658,606 are perfect for managing unforeseen costs or planning major purchases. This option allows you to borrow only what you need when you need it. At Energy Capital, we're committed to supporting our members' financial journeys with clear options and reliable service. If you're interested in any of our loan offerings or want more information on eligibility requirements and refinancing opportunities, please don't hesitate to reach out at 832-604-4848. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial aspirations today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,121,432, make buying or refinancing simple. We understand that purchasing a home is a significant investment and are here to assist you every step of the way. If you're looking to refinance your current mortgage, be sure to ask about our attractive rates and terms available.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,947,673 in loans helping members manage their finances effectively. These cards come with various benefits designed to fit your lifestyle while providing a convenient way to handle everyday expenses.

Loan Aggregator

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ENERGY CAPITAL CREDIT UNION