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Summer 2013



Better Banking Starts Here

Spring Auto Sale Every auto is on sale when you finance with Energy Capital Credit Union. Rates as low as


% APR*

*APR = Annual Percentage Rate and is current as of 4/1/2013. Rate quoted is inclusive of all discounts and is dependent on credit worthiness. New auto is 2013 model or newer. Rates, terms and offers stated are subject to change without notice. Your rate may vary based on the loan amount, term and your personal circumstances. Certain loan terms and rates depend on model year and loan amount. Membership is required before loan can be funded. Effective 9/1/2011 rates will be discounted by .10% on these loans for each stipulation that is met from the following: 1)Auto loans, motorcycle, motorhomes, travel trailers, boats, ATV and jet ski loans if the LTV (Loan to Value) is less than 90% at the time of the loan disbursement. 2)Auto loans, motorcycle, motorhomes, travel trailers, boats, ATV, and jet ski loans if GAP is elected. 3) If credit life and/or disability is elected. 4) if you apply online. The maximum discount for auto loans, motorcycle, motorhomes, travel trailers, boats, ATV and jet ski loans is .40% if all of the above stipulations are met. The maximum for all other loans is .10% if the credit life and/or disability stipulation is met. The rate discount excludes VISA Platinum Credit Cards, Business MasterCard Credit Cards, Home Equity, Mortgage and Business Loans. Discounts are only given at time of loan closing.

Go green! Sign up for E-alerts, E-statements and E-letters. All you have to do is log into your online banking Virtual Branch account, and select all of the options above. The electronic services give you the fastest access to statements, and alerts if we need to notify you regarding your account. Sign into Virtual Branch by visiting!

Did you know? We have a Shared Branch network that offers 3,000 locations including 200 in Texas and Arkansas. Anywhere you see the Shared Service Center swirl, you can conduct a range of transactions including deposits, withdrawals, loan payments, transfers between accounts, purchase money orders, travelers checks and official checks, and more. Just bring your account number and valid government-issued photo identification to conduct most of the same transactions you would at your local Energy Capital Credit Union branch. Transaction limits and check holds vary, so please call the location if you have any questions. Locations can be found simply by typing your zip code into our ATM and Shared Branch locator on our website at Check out a convenient location before you leave for vacation.

VIP Member Auto Concierge Service Let Concierge Auto Locate Service do all the footwork for you when you are ready for your next new or pre-owned car, truck or SUV. As a free service from your credit union, our goal is to help you locate your desired vehicle at the lowest discounted price through a certified network dealer in your area. Avoid the hassle; simplify your auto buying experience, save time, money and frustration.

We will: Find the vehicle you are looking for Negotiate your trade-in for the most money Help you get a great price Help you arrange competitive financing through your credit union Arrange convenient delivery at a local Houston area dealership Call us at 832.912.2126, or visit us online for more information at

Protection for Your Loved Ones Naming beneficiaries is typically something most people do once and then forget about. There are a few predominant reasons why. One is that the connections to those we name as beneficiaries don’t change often, but another reason is that thinking about beneficiaries forces us to think about our own death. Despite the perceived hassle of changing beneficiaries, it’s important to review them on all legal documents annually including all of your Energy Capital Credit Union accounts. Having current information and beneficiaries ensures that your wishes are followed and that your loved ones are taken care of after your passing. To update your Energy Capital Credit Union account beneficiaries, simply call us at 832-604-4848. Or you can do it in person the next time you stop by any ECCU location.

Want all the latest info from Energy Capital Credit Union? Like us on facebook! We update our page regularly with info specifically for our members, and have contest to win prizes, such as Texans tickets or cash!

Moving this year? We have fantastic deals just for Energy Capital Credit Union members!

Rates currently as low as *


$500 toward closing costs**

$250 - $1750 Cash rebate at closing when you use a preferred Realtor via***

Displayed rate of 3.00% (3.112% APR) is for a 15 year loan and current as of 5/14/2013. Must meet specific requirements to qualify. Rates subject to change daily; see website for posted rates. Contact Member Home Loan for specific loan rates and terms. The payment on a $100,000 loan is $684.59 per month for 15 years, not including taxes, closing costs, or any other fees. All loans subject to credit approval. Other terms and conditions may apply. Š 2013. All rights reserved. This material may not be duplicated without prior written consent from the author. Member Home Loan, MHL and all related logos, are trademarks of Member Home Loan, LLC, Office located at 9601 Jones Rd., Houston, TX 77065. NMLS#105693. Member Home Loan is a subsidiary of CU Alliance, LLC. **$500 toward closing costs is valid on mortgages of $100,000 or more that close before 12/31/2013. ***See for terms and conditions.

In an effort to better serve our members, we’ve grouped some of our product offerings under the name Energy CCU Wealth Services. The products offered currently include investing and asset management via Bob Thomas with SagePoint Financial. Over the next few years, you will see other products and services added that will allow you to fully manage your money at any stage of your life – teenager through retirement.

Borrow to Better Your Home Have a few home repairs that need to be done? Use the equity in your house to get a low interest home equity loan.


Rates are currently as low as APR* and you may be able to take some deductions on your taxes because of the loan. For more information and to apply, visit us online at Hurry! All home equity loans that close by 6/30/2013 receive $100 toward closing costs.

*Rates are subject to change at any time. Rates listed are effective and current as of 5/01/2013. Loan rates and terms vary depending upon loan type, loan amount, and credit worthiness. Monthly payment at 3.39% APR for 180 months is $7.09 per $1,000 borrowed. Minimum borrowing amount of $15,000 required for rate listed. Call for current home equity rates, as they change weekly.


18540 Northwest Freeway Houston, TX 77065 832.604.4848



Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

Federally insured by NCUA

Northwest – 18540 Northwest Freeway URC – 3120 Buffalo Speedway Rm SA-32* Brookhollow – 4500 Dacoma Rm. 121 Bell Street – 800 Bell St. EMC – 13501 Katy Freeway Rm. W1-279* W. Greens Road – 396 W. Greens Rd. Rm. 235* Greenspoint – 233 Benmar Suite 120 *Restricted Public Access

Holiday Closings Our offices will be closed on the following days: Memorial Day, Monday, May 27 Independence Day, Thursday, July 4

Labor Day, Monday, September 2

Nothing but sunny days ahead Keep the family happy by taking them away on a summer vacation. Whether you choose beach, mountains, culture or a mixture of experiences, look to Energy Capital Credit Union for financial help. Our vacation loans are as low as

6.70% APR*, and you can choose

your repayment term up to 60 months.

Stop dreaming and start vacationing! *Effective 5/1/2013 rates are discounted by 0.10% on these loans of for each stipulation that is met from the of following: 1) If credit life and/or disability OR E-services is elected. Member may only elect either credit life and/or disability or E-services enrollment for purposes of the loan discount, may not select both to receive an additional discount. 2) If the application is completed online at The maximum discount for this loan is 0.20% if all the above stipulations are met. The rate discount excludes Visa Platinum Credit Cards, Business MasterCard Credit Cards, Home Equity, Mortgage and Business Loans. Discounts are only given at time of loan closing. Subject to be discontinued on new loans at any time.



ECCU NL 2013  

ECCU NL Summer 2013