Credit union · NCUA insured
Energy Capital Credit Union CD Rates
Energy Capital Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Energy Capital Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Energy Capital Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Energy Capital Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $186
Certificate Account
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Energy Capital Credit Union CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo1.75%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Energy Capital Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Account
Up to 3.75%APY · 7 terms
Must deposit or have an existing savings or checking account. Federally insured by NCUA.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsConsumer only. 90 Day Jumbo Certificate | — | 2.25% | —2.25% from $50k | — |
| 6 monthsConsumer only | 3.75% | — | 3.75% | $186 |
| 12 months | 2.50% | — | 2.50% | $250 |
| 24 months | 2.00% | — | 2.00% | $404 |
| 24 monthsConsumer only. New money required. Rising Rate option allows the member to change the rate once during the original term of the Certificate to the current rate being offered on Certificates of the same term | 2.25% | — | 2.25% | $455 |
| 36 months | 1.75% | — | 1.75% | $534 |
| 48 months | 1.75% | — | 1.75% | $719 |
| 60 months | 1.75% | — | 1.75% | $906 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate Account
Up to 4.00%APY · 5 terms
Available as Traditional IRA or Roth IRA Certificate Account. NCUA insured.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.00% | $1,593 |
Sources (3)
- eccu.net/spend-and-save/deposit-rates
- eccu.net/spend-and-save/individual-retirement-accounts
- eccu.net/spend-and-save/ira
All captured Oct 16, 2026
Who can join Energy Capital Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to any individual who lives, works, worships, or attends school, or any business entity, in Harris, Montgomery, Liberty, Brazoria, Fort Bend, or Waller County, Texas.
Family and household
- Membership is available to immediate family members of any existing ECCU member who live in the same household.
Membership information collected October 5, 2026.