P.o. Box 578
Deer Park, TX 77536
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.95% 0.80% →
2-Year CD 1.05% 0.80% →
5-Year CD 1.45% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Shell is an NCUA insured institution located in Deer Park, TX. It was founded in 1937 and has approximately $1544.06 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 $1,544.06 million
Loans $1,105.38 million
Deposits $1,362.00 million
Capital $142.37 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 - September 28, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.40% $2,500 $2,999 Learn More
Money Market
0.45% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.65% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
0.95% $100,000 $199,999 Learn More
18 Mo CD
0.95% $10,000 $14,999 Learn More
18 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.05% $100,000 $199,999 Learn More
30 Mo CD
1.05% $10,000 $14,999 Learn More
30 Mo CD
1.10% $100,000 $199,999 Learn More
36 Mo CD
1.19% $10,000 $14,999 Learn More
36 Mo CD
1.25% $100,000 $199,999 Learn More
48 Mo CD
1.30% $10,000 $14,999 Learn More
48 Mo CD
1.35% $100,000 $199,999 Learn More
60 Mo CD
1.40% $10,000 $14,999 Learn More
60 Mo CD
1.45% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
eChecking 1.50% $0 $0.00 Learn MoreShow Less

Loan Rates - September 28, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 330511
3.063% 3.000% 0.75 $2,022 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to SHELL
To upload and update your bank's rates please register. It is free to register and add rates.



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.

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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
4.62% 4.38

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 March 31, 2021, Shell had $6,213,759 in non-current loans and $645,119 in owned assets. To cover these potential losses it had $142,365,108 in net worth and $6,187,037 in loans loss reserves. That gives it a Texas Ratio of 4.62%.

Net Worth
Shell U.S. Average
9.22% 12.20%

Shell FCU has a net worth of 9.22% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Shell

Branches and Savings

What is Shell?

A federal credit union, registered with the NCUA under certificate #1941.
Learn more about credit unions here.

Is Shell FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Shell is insured by the NCUA.

Who can join Shell?

Please see Field of Membership information above for information on who is eligible to join.

What are Shell's share account and share certificate rates?

Shell's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Shell?

Shell has total capital of $142.37 million. Full information on Shell's financial position is located above.

Who owns Shell?

Credit Unions are owned by their members.

Where are Shell branches located?

See branch locations nearby.

Are Shell ATMs Open 24/7?

Do Shell ATMs accept cash deposits?

Can Shell customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Shell have a mobile app?

Does Shell have mobile deposit?

Does Shell have quick pay?

How can Shell transfer money to other banks or credit unions?

Does Shell report to credit bureaus?

Does Shell use Chexsystems?

Does Shell use Equifax?

What is Shell's toll free phone number?

What is Shell's ACH Routing Number?

What is Shell's SWIFT code?

Where can I find Shell's wire transfer form?

What is the Shell address for deposits?

What Products Does Shell Offer

Does Shell offer mortgages?

Compare mortgage rates here.

Does Shell offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Shell offer auto and RV loans?

Compare auto loan rates here.

Does Shell offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Shell

  • August 17, 2016


    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

    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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