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Chemcel Federal Credit Union

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Overview / Commentary

361-584-6246

5740 County Road 4
Bishop, TX 78343

Chemcel Federal Credit Union is headquartered in Bishop and is the 119^th largest credit union in the state of Texas. It is also the 1,462^nd largest credit union in the nation. It was established in 1951 and as of June of 2019, it had grown to 37 employees and 9,306 members at 6 locations. Chemcel Federal Credit Union's CD rates are 78% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Chemcel Federal Credit Union is open to those who live, work, regularly conduct business in, worship or attend school, business and other legal entities in Nueces, Kleburg and Jim Wells counties. Membership is also open to employees or retirees of Celanese Corporation who work in or are supervised from Bishop plant, Clear Lake plant, Bay City plant and Dallas office and employees of other select companies.
See current membership details

Related Posts

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2009
2006

9/19 - 4.01% Reward Checking Account at Chemcel FCU in Texas

8/19 - 8% 12-Month CD at a Texas CU ($1K max).

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Health

A

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #	7129
Year Chartered	1951
Employees	37
Primary Regulator

Profit Margin
Return on Assets - YTD	1.12%
Return on Equity - YTD	9.65%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$121.0MM$113.3MM
Loans	Q2 2019vs Q2 2018	$88.8MM$75.5MM
Deposits	Q2 2019vs Q2 2018	$105.4MM$99.1MM
Equity Capital	Q2 2019vs Q2 2018	$13.9MM$12.7MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$413.00K$486.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$480.00K$371.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Chemcel Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	-	-	IRA Shares
0.50%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.25% → $10k+
0.45%^*	$75k^*	-	Regular Savings Account
OTHER TIERS: 0.15% → $25 - $25k \| 0.30% → $25k - $75k
0.45%	-	-	Christmas Club

Chemcel Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$75k^*	-	Money Market
OTHER TIERS: 0.40% → $2k - $25k \| 0.50% → $25k - $75k

Chemcel Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	-	$20k	Kasasa Cash
OTHER TIERS: 0.60% → $20k+

Chemcel Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.30%	$75k	-	5 Year Jumbo Share Certificate
2.25%	$25k	$75k	5 Year Mini-Jumbo Share Certificate
2.25%	$75k	-	4 Year Jumbo Share Certificate
2.20%	$1k	$25k	5 Year Share Certificate
2.20%	$25k	$75k	4 Year Mini-Jumbo Share Certificate
2.20%	$75k	-	3 Year Jumbo Share Certificate
2.15%	$1k	$25k	4 Year Share Certificate
2.15%	$25k	$75k	3 Year Mini-Jumbo Share Certificate
2.10%	$1k	$25k	3 Year Share Certificate
2.00%	$75k	-	2 Year Jumbo Share Certificate
1.95%	$25k	$75k	2 Year Mini-Jumbo Share Certificate
1.90%	$1k	$25k	2 Year Share Certificate
1.60%	$75k	-	1 Year Jumbo Share Certificate
1.55%	$25k	$75k	1 Year Mini-Jumbo Share Certificate
1.50%	$1k	$25k	1 Year Share Certificate
0.85%	$75k	-	6 Month Jumbo Share Certificate
0.80%	$25k	$75k	6 Month Mini-Jumbo Share Certificate
0.75%	$1k	$25k	6 Month Share Certificate

Chemcel Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.30%	$75k	-	5 Year Jumbo IRA
2.25%	$25k	$75k	5 Year Mini-Jumbo IRA
2.25%	$75k	-	4 Year Jumbo IRA
2.20%	$1k	$25k	5 Year IRA
2.20%	$25k	$75k	4 Year Mini-Jumbo IRA
2.20%	$75k	-	3 Year Jumbo IRA
2.15%	$1k	$25k	4 Year IRA
2.15%	$25k	$75k	3 Year Mini-Jumbo IRA
2.10%	$1k	$25k	3 Year IRA
2.00%	$75k	-	2 Year Jumbo IRA
1.95%	$25k	$75k	2 Year Mini-Jumbo IRA
1.90%	$1k	$25k	2 Year IRA
1.60%	$75k	-	1 Year Jumbo IRA
1.55%	$25k	$75k	1 Year Mini-Jumbo IRA
1.50%	$1k	$25k	1 Year IRA
0.85%	$75k	-	6 Month Jumbo IRA
0.80%	$25k	$75k	6 Month Mini-Jumbo IRA
0.75%	$1k	$25k	6 Month IRA

Locations

Chemcel Federal Credit Union Locations
Main Office	5740 County Road 4	Bishop, TX 78343
Branch Office	1901 S US Highway 77 Byp	Kingsville, TX 78363-6894
Branch Office	7001 Saratoga Blvd	Corpus Christi, TX 78414-3919
Branch Office	2400 FM 3057	Bay City, TX 77414-3890
Branch Office	9502 Bayport Blvd	Pasadena, TX 77507-1402
Branch Office	2740 East Main Street	Alice, TX 78332

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