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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Chemcel Federal Credit Union Rates & Review November 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 and Verified: October 28, 2026
Chemcel Federal Credit Union's Jumbo CD/IRA - 6 Month rates are at 4.02%, Jumbo CD/IRA - 1 Year rates are at 3.97%, Mini-Jumbo CD/IRA - 6 Month rates are at 3.87%, Jumbo CD/IRA - 3 Year rates are at 3.82%, Jumbo CD/IRA - 4 Year rates are at 3.82%. Chemcel Federal Credit Union's savings rates are at 0.45%. Chemcel Federal Credit Union's money market rates are at 0.60%. Chemcel Federal Credit Union's checking rates are as high as 3.00%. Chemcel Federal Credit Union's Home Mortgage Loans - 20 Year Fixed rates are at 5.86%, Home Mortgage Loans - 30 Year Fixed rates are at 6.05%. Chemcel Federal Credit Union's Personal Loan Rates are as low as 9.00%. Chemcel Federal Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 3.32%. Rates last updated and verified on 10/28/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Personal Loan Rates
Chemcel Federal Credit Union Other Rates
Financial Health HistoryChemcel Federal Credit Union’s Texas Ratio stayed near 3.09% in Q3 2023 to 3.32% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
38
Part-Time Employees
2
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.32%
Return on Assets (ROA)
0.4011%
Return on Equity (ROE)
3.3126%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
184,003,402
Total Amount of Shares and Deposits
159,861,051
Total Shares and Deposits < 1 Year
152,506,042
Total Shares and Deposits 1 3 Years
5,448,298
Total Shares and Deposits > 3 Years
1,906,711
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,685,947
Total Uninsured Shares and Deposits > $250K (F+J)
6,685,947
Total Insured Shares and Deposits > $250K (item 17 less item K)
153,175,104
Total Interest Expense (Sum of items 6 8)
1,683,017
Share Certificates
982
Number of Accounts for Share Drafts
5,891
IRA KEOGH Accounts
233
Number of Accounts for Regular Shares
12,216
Money Market Shares
178
Net Income (unless the amount is already included in Undivided Earnings)
737,973
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
31,798,016
Total Liabilities
161,725,507
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Chemcel Federal Credit Union
Frequently Asked Questions About Chemcel Federal Credit UnionDoes Chemcel Federal Credit Union offer CDs?Yes. Chemcel Federal Credit Union current CD rates include its Jumbo CD/IRA - 6 Month at 4.02% APY, its Jumbo CD/IRA - 1 Year at 3.97% APY and its Mini-Jumbo CD/IRA - 6 Month at 3.87% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Chemcel Federal Credit Union NCUA insured?Yes. Chemcel Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Chemcel Federal Credit Union?The highest Chemcel Federal Credit Union CD rate is its Jumbo CD/IRA - 6 Month at 4.02% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Chemcel Federal Credit Union offer?Chemcel Federal Credit Union CD rates are 4.02% APY for a 6 month CD, 3.71% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.82% APY for a 3 year CD, 3.82% APY for a 4 year CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Chemcel Federal Credit Union for its full lineup. What is the highest savings rate at Chemcel Federal Credit Union?The highest Chemcel Federal Credit Union savings rate is its Regular Savings Account at 0.45% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Chemcel Federal Credit Union?The highest Chemcel Federal Credit Union money market rate is its Money Market Account at 0.60% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Chemcel Federal Credit Union?The highest Chemcel Federal Credit Union checking rate is its Reward$ Checking at 3.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest 30 year fixed mortgage rate at Chemcel Federal Credit Union?The lowest Chemcel Federal Credit Union 30 year fixed mortgage rate is its Home Mortgage Loans - 30 Year Fixed at 6.054% APR, verified by MonitorBankRates as of October 28, 2026. Chemcel Federal Credit Union mortgage rates are 6.054% APR for a 30 year mortgage and 5.862% APR for a 20 year mortgage. What is the lowest auto loan rate at Chemcel Federal Credit Union?The lowest Chemcel Federal Credit Union auto loan rate is its Auto Loans at 4.99% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Chemcel Federal Credit Union?The lowest Chemcel Federal Credit Union personal loan rate is its Personal Loan - 24 months at 9.00% APR, verified by MonitorBankRates as of October 28, 2026. Chemcel Federal Credit Union personal loan rates are 9.00% APR for a 24 month personal loan, 10.00% APR for a 36 month personal loan and 11.00% APR for a 48 month personal loan. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Chemcel Federal Credit Union rates compare?Chemcel Federal Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. Chemcel Federal Credit Union's top rates are its Jumbo CD/IRA - 6 Month at 4.02% APY, its Regular Savings Account at 0.45% APY, its Money Market Account at 0.60% APY, its Reward$ Checking at 3.00% APY, its Home Mortgage Loans - 20 Year Fixed at 5.862% and its Personal Loan - 24 months at 9.00% APR, verified by MonitorBankRates on October 28, 2026. Current Chemcel Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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