Energy Capital Credit Union

SHARE ACCOUNTS - ENERGY CAPITAL CREDIT UNION'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 18,848 MEMBER-OWNER ACCOUNTS AS OF DECEMBER 31, 2022. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY AND OFFER ACCESS THROUGH THE SHARED BRANCH NETWORK, HOME BANKING VIA THE INTERNET, 3 BRANCH LOCATIONS AND ATMs WORLDWIDE. SPECIAL SAVINGS ACCOUNTS DESIGNED FOR CHILDREN AND TEENAGRS ENCOURGAE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. Code: 522130

CONSUMER LOANS - ENERGY CAPITAL CREDIT UNION HAS PROVIDED VEHICLE LOANS SINCE ITS FIRST YEAR OF OPERATIONS. THE CONSUMBER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR AUTO, SIGNATURE LOANS, CREDIT CARDS, RECREATIONAL VEHICLES, BOATS, MOTORCYCLES, HOME EQUITY AND MORTGAGE LOANS. CONSUMER DEBT PROTECTION INSURANCE IS AVAILABLE ON MAY OF THESE LOAN TYPES. Code:522130

CHECKING ACCOUNTS- ENERGY CAPITAL CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR CONSUMERS WITH VARIOUS FEATURES FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAY BROGRAM. 47.63% OF THE CREDIT UNION'S MEMBERS HAVE A CHECKING ACCOUNT. Code: 522130

General overhead for operations of the Credit Union, see schedul o statement 1