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SHELL Rates & Review August 2026

Q: How many branches does SHELL operate?

SHELL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SHELL?

Yes, to access services at SHELL, 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.

Q: Is there a first-time homebuyer program?

Currently, SHELL 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SHELL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

SHELL rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not SHELL, and you can see how they compare in the SHELL rate tables below. MonitorBankRates evaluates the financial stability of SHELL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.04%. Database rates last updated and verified on 08/29/2026.

SHELL 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 SHELL? Share your experience about SHELL by leaving a review below, or read customer reviews before you decide to use SHELL.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.04%

Excellent Lower than avg

SHELL
Deer Park Corporate Office

201 E 13th St
Deer Park, TX 77536 3260

http://www.shellfcu.org

Current Rate Availability

We're not currently displaying rates for SHELL, but our database is updated constantly — check back soon for the latest offers.

Are you with SHELL? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SHELL 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 SHELL 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 SHELL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SHELL

Website http://www.shellfcu.org

Address 201 E 13th St, Deer Park, TX 77536 3260

Phone 713-844-1100

Fax

President Ben Esquivel

CEO Jose Rodriguez

Full-Time Employees 450

Part-Time Employees 44

Branch Locations 14

ATM Locations 14

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.04%

Return on Assets (ROA)

0.8685%

Return on Equity (ROE)

6.5494%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

1,906,252,321

Total Amount of Shares and Deposits

1,624,098,964

Total Shares and Deposits < 1 Year

1,490,384,501

Total Shares and Deposits 1 3 Years

102,510,228

Total Shares and Deposits > 3 Years

31,204,235

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

105,101,846

Total Uninsured Shares and Deposits > $250K (F+J)

105,101,846

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,518,997,118

Total Interest Expense (Sum of items 6 8)

26,202,574

Share Certificates

9,425

Number of Accounts for Share Drafts

124,425

IRA KEOGH Accounts

2,424

Number of Accounts for Regular Shares

173,947

Money Market Shares

2,913

Net Income (unless the amount is already included in Undivided Earnings)

16,556,116

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)

140,732,611

Total Liabilities

1,658,454,000

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for SHELL

Frequently Asked Questions About SHELL

How many branches does SHELL operate?

SHELL 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 SHELL?

Yes, to access services at SHELL, 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, SHELL 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, SHELL provides members with tools to manage their accounts and build a solid financial history.

Does SHELL offer online and mobile banking?

Most modern institutions like SHELL 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: http://www.shellfcu.org.