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301 E 13th St
Deer Park, TX 77536

Shell Federal Credit Union is headquartered in Deer Park and is the 26th largest credit union in the state of Texas. It is also the 337th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 185 employees and 65,338 members. Shell Federal Credit Union has a A health rating.

Field of Membership Restrictions

To be eligible you must live, work, worship or attend school in Harris County, Texas or have an immediate family member who is currently a member. - See Details

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Shell Federal Credit Union's BE GREEN Rewards Checking Still Viable - 7/21/2014

Shell Federal Credit Union continues to offer their high-yield reward BE GREEN Checking account. Membership is open to all residents of Harris County, Texas.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Shell Federal Credit Union had $2.56 million in non-current loans and owned real-estate with $65.32 million in equity and loan loss allowances on hand to cover it. This gives Shell Federal Credit Union a Texas Ratio of 3.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Shell Federal Credit Union experienced no significant changes from 3.47% as of March 31, 2013 to 3.92% as of March 31, 2014, resulting in a negative change of 12.92%. This indicates that the balance sheet and financial strength for Shell Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Shell Federal Credit Union has increased its total deposits by $57.22 million, resulting in 10.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Shell Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Shell Federal Credit Union has $670.56 million in assets with $65.32 million in equity, resulting in a capitalization level of 9.74%, which is above average.

Institution Statistics

NCUA #1941
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$670.56 million
Loans$458.14 million
Deposits$593.59 million
Equity Capital$62.72 million
Loan Loss Allowance$2.59 million
Unbacked Noncurrent Loans$2.49 million
Real Estate Owned$70,000
Historic Data - March 2013
Assets$604.82 million
Equity Capital$55.18 million
Loan Loss Allowance$2.33 million
Unbacked Noncurrent Loans$2.49 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.22%
Return on Assets1.33%
Return on Equity14.25%
Interest Income$6.47 million

Always verify rates and promotions with the bank or credit union. We are not Shell Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Shell Federal Credit Union Savings Account Rates

0.50%--Regular IRA Savings
0.50%--Roth IRA Savings
0.25%--Christmas Club
0.25%--iSave Account
0.15%--Regular Share Savings
0.15%--Special Savings
0.15%--TUTMA Savings
0.15%--Business Membership Savings
0.15%--Business Special Savings

Shell Federal Credit Union Money Market Rates

0.40%$50k-Money Market
0.25%--Business Money Market

Shell Federal Credit Union Checking Account Rates

2.18%-$20kBE GREEN Checking - Qualifying
0.10%$2k-Regular Checking
0.10%--Business Premier Checking
0.05%--BE GREEN Checking - Non Qualifying

Shell Federal Credit Union CD Rates

1.75%$50k-60 Month Share Certificate
1.75%$50k-Business 60 Month Share Certificate
1.50%$50k-48 Month Share Certificate
1.50%$50k-Business 48 Month Share Certificate
1.25%$50k-36 Month Share Certificate
1.25%$50k-Business 36 Month Share Certificate
1.10%$50k-30 Month Share Certificate
1.10%$50k-Business 30 Month Share Certificate
0.95%$50k-24 Month Share Certificate
0.95%$50k-Business 24 Month Share Certificate
0.80%$50k-18 Month Share Certificate
0.80%$50k-Business 18 Month Share Certificate
0.70%$50k-12 Month Share Certificate
0.70%$50k-Business 12 Month Share Certificate
0.55%$50k-6 Month Share Certificate
0.55%$50k-Business 6 Month Share Certificate

Shell Federal Credit Union IRA Rates

1.75%$50k-60 Month IRA Certificate
1.50%$50k-48 Month IRA Certificate
1.25%$50k-36 Month IRA Certificate
1.10%$50k-30 Month IRA Certificate
0.95%$50k-24 Month IRA Certificate
0.80%$50k-18 Month IRA Certificate
0.70%$50k-12 Month IRA Certificate
0.55%$50k-6 Month IRA Certificate

Shell Federal Credit Union Locations
Branch Office1600 Bay Area BlvdHouston, TX 77058
Branch Office301 E 13th StDeer Park, TX 77536
Branch Office401 Southmore AvePasadena, TX 77502
Branch Office11526 Spencer HwyLa Porte, TX 77571
Branch Office710 W San Augustine StDeer Park, TX 77536
Branch Office5133 Fairmont PkwyPasadena, TX 77505
Branch Office11391 Monroe RdHouston, TX 77075-4877
Branch Office4787 Wilson RdHumble, TX 77396
Branch Office5544 E Sam Houston Pkwy NHouston, TX 77015-3263
Branch Office2121 Cherrybrook LnPasadena, TX 77502