Shell Federal Credit Union


P.o. Box 578
Deer Park, TX 77536
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Notable Rates APY Vs.Others
Savings 0.15% 6.25% →
1-Year CD 0.95% 5.20% →
2-Year CD 1.05% 5.10% →
5-Year CD 1.45% 4.50% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Shell is an NCUA insured institution located in Deer Park, TX. It was founded in 1937 and has approximately $1659.81 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 $1,659.81 million
Loans $1,359.45 million
Deposits $1,457.55 million
Capital $183.95 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 - March 24, 2023

Your Current Location: Virginia, VA 20146

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 - March 24, 2023

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: Not lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

Note to Shell
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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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Climate Initiatives

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

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
5.58% 4.63

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 September 30, 2022, Shell had $9,804,030 in non-current loans and $805,597 in owned assets. To cover these potential losses it had $183,950,043 in net worth and $6,246,269 in loans loss reserves. That gives it a Texas Ratio of 5.58%.

Net Worth
Shell U.S. Average
11.08% 12.52%

Shell FCU has a net worth of 11.08% versus the BestCashCow average of 12.52. 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

  • 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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