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iAdvertiser Disclosure
Advertiser Disclosure
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 Chemcel Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 25, 2026
Chemcel Federal Credit Union's 6 Month Jumbo CD/IRA rates are at 4.02%, 1 Year Jumbo CD/IRA rates are at 3.97%, 6 Month Mini-Jumbo CD/IRA rates are at 3.87%, 1 Year Mini-Jumbo CD/IRA rates are at 3.82%, 3 Year Jumbo CD/IRA rates are at 3.82%. Chemcel Federal Credit Union's savings rates are at 0.15%. Chemcel Federal Credit Union's money market rates are at 0.40%. Chemcel Federal Credit Union's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of Chemcel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.87%. Rates were last updated on 04/25/2026. Chemcel Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Chemcel Federal Credit Union? Share your experience about Chemcel Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Chemcel Federal Credit Union. Chemcel Federal Credit Union
Bishop Office 5740 County Road 4
https://www.chemcel.org Bishop, TX 78343 
Chemcel Federal Credit Union CD Rates
Chemcel Federal Credit Union Savings Rates
Chemcel Federal Credit Union Money Market Rates
Chemcel Federal Credit Union Checking Rates
Chemcel Federal Credit Union Mortgage Rates
Chemcel Federal Credit Union Auto Loan Rates
Chemcel Federal Credit Union Credit Card Rates
Chemcel Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Chemcel Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Chemcel Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Chemcel Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Chemcel Federal Credit Union
Website
https://www.chemcel.org
Address
5740 County Road 4,
Bishop, TX 78343
Phone
361-584-6246
Fax
361-584-6155
President
Ken May
CEO
Michael Engel
Full-Time Employees
35
Part-Time Employees
2
Branch Locations
6
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.87%
Return on Assets (ROA)
0.5759%
Return on Equity (ROE)
4.7469%
Non-Performing Loans Ratio (NPL)
1.20%
Total Assets
175,220,490
Total Amount of Shares and Deposits
152,738,604
Total Shares and Deposits < 1 Year
142,058,534
Total Shares and Deposits 1 3 Years
8,711,652
Total Shares and Deposits > 3 Years
1,968,418
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,446,156
Total Uninsured Shares and Deposits > $250K (F+J)
5,446,156
Total Insured Shares and Deposits > $250K (item 17 less item K)
147,292,448
Total Interest Expense (Sum of items 6 8)
2,626,624
Share Certificates
987
Number of Accounts for Share Drafts
5,919
IRA KEOGH Accounts
227
Number of Accounts for Regular Shares
12,096
Money Market Shares
188
Net Income (unless the amount is already included in Undivided Earnings)
1,009,067
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
29,194,977
Total Liabilities
154,121,208
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Chemcel Federal Credit UnionIs Chemcel Federal Credit Union a safe place to deposit money?Yes, Chemcel Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.8735149963511%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Chemcel Federal Credit Union operate?Chemcel Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Chemcel Federal Credit Union?Yes, to access services at Chemcel Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Chemcel Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Chemcel Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Chemcel Federal Credit Union offer online and mobile banking?Most modern institutions like Chemcel Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.chemcel.org. Current Chemcel Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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