2024 Overview
General Credit Union Information
Shell is an NCUA insured institution located in Deer Park, TX. It was founded in 1937 and has approximately $1828.65 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 | $1,828.65 million |
| Loans | $1,450.61 million |
| Deposits | $1,583.72 million |
| Capital | $212.90 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 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $5 | - |
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|
| iSave
|
0.15% | $25 | - |
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|
|
Money Market
|
1.75% | $2,500 | $9,999 |
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|
|
Money Market
|
1.85% | $10,000 | $24,999 |
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|
|
Money Market
|
1.95% | $25,000 | $49,999 |
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|
|
Money Market
|
2.25% | $50,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
4.50% | $500 | $24,999 |
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|
| 6 Mo CD
|
4.50% | $25,000 | $49,999 |
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|
| 6 Months
|
4.65% | $50,000 | $99,999 |
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|
| 6 Months
|
4.65% | $100,000 | - |
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|
| 12 Mo CD
|
4.25% | $500 | $24,999 |
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|
| 12 Mo CD
|
4.25% | $25,000 | $49,999 |
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|
| 12 Months
|
4.40% | $50,000 | $99,999 |
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|
| 12 Months
|
4.40% | $100,000 | - |
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|
| 18 Mo CD
|
4.00% | $500 | $24,999 |
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|
| 18 Mo CD
|
4.00% | $25,000 | $49,999 |
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|
| 18 Months
|
4.15% | $50,000 | $99,999 |
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|
| 18 Months
|
4.15% | $100,000 | - |
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|
| 24 Mo CD
|
3.75% | $500 | $24,999 |
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|
| 24 Mo CD
|
3.75% | $25,000 | $49,999 |
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|
| 24 Months
|
3.90% | $50,000 | $99,999 |
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|
| 24 Months
|
3.90% | $100,000 | - |
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|
| 30 Mo CD
|
3.50% | $500 | $24,999 |
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|
| 30 Mo CD
|
3.50% | $25,000 | $49,999 |
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|
| 30 Months
|
3.65% | $50,000 | $99,999 |
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|
| 30 Months
|
3.65% | $100,000 | - |
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|
| 36 Mo CD
|
3.50% | $500 | $24,999 |
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|
| 36 Mo CD
|
3.50% | $25,000 | $49,999 |
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|
| 36 Months
|
3.65% | $50,000 | $99,999 |
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|
| 36 Months
|
3.65% | $100,000 | - |
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|
| 48 Mo CD
|
3.25% | $500 | $24,999 |
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|
| 48 Mo CD
|
3.25% | $25,000 | $49,999 |
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|
| 48 Months
|
3.40% | $50,000 | $99,999 |
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|
| 48 Months
|
3.40% | $100,000 | - |
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|
| 60 Mo CD
|
3.25% | $500 | $24,999 |
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|
| 60 Mo CD
|
3.25% | $25,000 | $49,999 |
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|
| 60 Months
|
3.40% | $50,000 | $99,999 |
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|
| 60 Months
|
3.40% | $100,000 | - |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| eChecking | 2.00% | $0 | $0.00 | Learn More |
Loan Rates - April 24, 2024
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 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Shell
To upload and update your bank's rates please register.
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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
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 |
|---|---|
| 9.40% | 6.97 |
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, 2023, Shell had $18,832,497 in non-current loans and $2,105,858 in owned assets. To cover these potential losses it had $212,895,746 in net worth and $9,760,074 in loans loss reserves. That gives it a Texas Ratio of 9.40%.
Net Worth
| Shell | U.S. Average |
|---|---|
| 11.63% | 13.62% |
Shell FCU has a net worth of 11.63% versus the BestCashCow average of 13.62. 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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