Shell Federal Credit Union

Headquarters

Po Box 578
Deer Park, TX 77536
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.50%	4.66% →
1-Year CD	4.15%	4.59% →
2-Year CD	4.15%	4.25% →
5-Year CD	3.90%	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Shell is an NCUA insured institution located in Deer Park, TX. It was founded in 1937 and has approximately $1811.54 millions in assets.

Who can join?

Anyone who lives, works, worships, or attends school in Harris Country, Texas or has an immediate family member who is currently a member of this union is eligible to join.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 1941
Date Established	1937
Assets	$1,811.54 million
Loans	$1,427.95 million
Deposits	$1,525.96 million
Capital	$236.74 million

Field of Membership Restrictions

Membership in Shell Federal Credit Union is open to those who live, work, worship or attend school in Harris County, Texas or have an immediate family member who is currently a member.

Deposit Rates - April 30, 2025

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.10%	$5	-	Learn More Reviews
iSave	0.50%	$25	-	Learn More Reviews
Money Market	1.25%	$2,500	$9,999	Learn More Reviews
Money Market	1.35%	$10,000	$24,999	Learn More Reviews
Money Market	1.45%	$25,000	$49,999	Learn More Reviews
Money Market	1.75%	$50,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	3.25%	$500	$24,999	Learn More Reviews
6 Mo CD	3.25%	$25,000	$49,999	Learn More Reviews
6 Months	3.40%	$50,000	$99,999	Learn More Reviews
6 Months	3.40%	$100,000	-	Learn More Reviews
12 Mo CD	4.00%	$500	$24,999	Learn More Reviews
12 Mo CD	4.00%	$25,000	$49,999	Learn More Reviews
12 Months	4.15%	$50,000	$99,999	Learn More Reviews
12 Months	4.15%	$100,000	-	Learn More Reviews
18 Mo CD	4.00%	$500	$24,999	Learn More Reviews
18 Mo CD	4.00%	$25,000	$49,999	Learn More Reviews
18 Months	4.15%	$50,000	$99,999	Learn More Reviews
18 Months	4.15%	$100,000	-	Learn More Reviews
24 Mo CD	4.00%	$500	$24,999	Learn More Reviews
24 Mo CD	4.00%	$25,000	$49,999	Learn More Reviews
24 Months	4.15%	$50,000	$99,999	Learn More Reviews
24 Months	4.15%	$100,000	-	Learn More Reviews
30 Mo CD	3.75%	$500	$24,999	Learn More Reviews
30 Mo CD	3.75%	$25,000	$49,999	Learn More Reviews
30 Months	3.90%	$50,000	$99,999	Learn More Reviews
30 Months	3.90%	$100,000	-	Learn More Reviews
36 Mo CD	3.75%	$500	$24,999	Learn More Reviews
36 Mo CD	3.75%	$25,000	$49,999	Learn More Reviews
36 Months	3.90%	$50,000	$99,999	Learn More Reviews
36 Months	3.90%	$100,000	-	Learn More Reviews
48 Mo CD	3.75%	$500	$24,999	Learn More Reviews
48 Mo CD	3.75%	$25,000	$49,999	Learn More Reviews
48 Months	3.90%	$50,000	$99,999	Learn More Reviews
48 Months	3.90%	$100,000	-	Learn More Reviews
60 Mo CD	3.75%	$500	$24,999	Learn More Reviews
60 Mo CD	3.75%	$25,000	$49,999	Learn More Reviews
60 Months	3.90%	$50,000	$99,999	Learn More Reviews
60 Months	3.90%	$100,000	-	Learn More Reviews

Checking Rates	APY	MIN	FEE
eChecking	2.00%	$0	$0.00	Learn MoreShow Less

Loan Rates - April 30, 2025

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Shell

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.434%	6.375%	0.63	$2,000	$1,997	Learn More
NMLS ID: 1065732 License#: RM.804286.000	6.438%	6.375%	0.63	$2,102	$1,997	Learn More
NMLS ID: 447490	6.481%	6.375%	0.63	$3,561	$1,997	Learn More
NMLS ID: 1025894	6.572%	6.490%	0.63	$2,748	$2,021	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Shell
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Branches

Below are Shell branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Shell Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Wilson	949.40	A	View Lobby Hours
Woodforest	952.99	B	View Lobby Hours
La Porte	956.11	C	View Lobby Hours
Deer Park	956.99	D	View Lobby Hours
Southmore	960.37	E	View Lobby Hours
Fairmont	960.87	F	View Lobby Hours
Bay Area	963.59	G	View Lobby Hours
Pearland	967.04	H	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

SHELL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Shell Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Shell. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Shell	U.S. Average
7.37%	7.07

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2024, Shell had $16,518,406 in non-current loans and $1,659,691 in owned assets. To cover these potential losses it had $236,739,060 in net worth and $9,760,074 in loans loss reserves. That gives it a Texas Ratio of 7.37%.

Net Worth

Shell	U.S. Average
13.06%	14.25%

Shell FCU has a net worth of 13.06% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Shell

Jamaal D. Robinson

August 17, 2016

Hello,

I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current institution, and would like to know the criteria to becoming a member and depositing into your fine institution. If you have a chance, please have a representative to contact me at 214.375.4271 or email me at goodstreetfcu@sbcglobal.net.

Thank you for your time, and we look forward to speaking with you.

Jamaal D. Robinson
Interim CEO
Good Street FCU

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