Credit union · NCUA insured
Energy Capital Credit Union Credit Card Rates
Energy Capital Credit Union credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Energy Capital Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Energy Capital Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Energy Capital Credit Union
12.74%APR
- Annual fee
- None
- Up to
- 17.99% APR
MasterCard Platinum
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
Energy Capital Credit Union credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Energy Capital Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MasterCard Platinum
Certain credit criteria apply. Subject to credit and underwriting guidelines. Does not earn reward points.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR for 12 Months on purchases for new cards, 6 months after card opening; after 12-month intro period, agreed-upon rate at card opening applies. |
| Ongoing | 12.74%–17.99% | None | Variable rates as low as 12.74% APR (up to 17.99% APR). Stated APR assumes qualification for maximum available rate discount. |
Sources (3)
All captured Oct 16, 2026
MasterCard Platinum Rewards
Certain credit criteria apply. Subject to credit and underwriting guidelines. Earns rewards on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR on Balance Transfers for 12 Months for new and existing ECCU cardholders; after introductory period, agreed-upon rate at card opening applies. |
| Ongoing | 13.74%–17.99% | None | Variable rates as low as 13.74% APR (up to 17.99% APR). Stated APR assumes qualification for maximum available rate discount. |
Sources (3)
All captured Oct 16, 2026
MasterCard World Card
Certain credit criteria apply. Subject to credit and underwriting guidelines. Earns bonus rewards on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR on Balance Transfers for 12 Months for new and existing ECCU cardholders; after introductory period, rate will be 3% on balance transfers. |
| Ongoing | 14.74%–17.99% | None | Variable rates as low as 14.74% APR (up to 17.99% APR). Stated APR assumes qualification for maximum available rate discount. |
Sources (3)
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.