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Shell Federal Credit Union


Overview / Commentary
www.shellfcu.org
713-844-1100
301 E 13th St
Deer Park, TX 77536

Shell Federal Credit Union is headquartered in Deer Park and is the 19th largest credit union in the state of Texas. It is also the 262nd largest credit union in the nation. It was established in 1937 and as of June of 2024, it had grown to 461 employees and 150,177 members at 13 locations. Shell Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Shell Federal Credit Union is open to those who live, work, worship, attend school, or regularly conducts business in Harris County, Texas.
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Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #1941
Year Chartered1937
Employees461
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD8.66%
Annual Interest Income$59.5MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.83B$1.79B
LoansQ2 2024vs Q2 2023$1.44B$1.43B
DepositsQ2 2024vs Q2 2023$1.57B$1.57B
Equity CapitalQ2 2024vs Q2 2023$210.5MM$185.9MM
Loan Loss AllowanceQ2 2024vs Q2 2023$13.1MM$8.8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$11MM$8.8MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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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 cannot provide official rates or promotions.

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

Shell Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$10k*$20kHigh Yield eSavings
OTHER TIERS: 0.05% → $20k+ | 2.00% → $0 - $10k
0.75%$0-Traditional IRA Savings
0.75%$0-Roth IRA Savings
0.50%$10-Christmas Club
0.15%$25-iSave Account
0.10%$5-Savings Account
0.10%$5-TUTMA Savings
0.10%$10-Business Savings
0.10%$10-Business Membership Savings

Shell Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$50k*-Money Market
OTHER TIERS: 1.25% → $2.5k - $10k | 1.35% → $10k - $25k | 1.45% → $25k - $50k
1.75%*$50k*-Business Money Market
OTHER TIERS: 1.25% → $2.5k - $10k | 1.35% → $10k - $25k | 1.45% → $25k - $50k

Shell Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0$20keChecking- 40+ Debit Card Transactions
2.50%*$0$20keChecking- 30-39 Debit Card Transactions
OTHER TIERS: 0.05% → $20k+
2.00%*$0$20keChecking- 20-29 Debit Card Transactions
OTHER TIERS: 0.05% → $20k+
0.05%$2k-Checking
0.05%$10k-Business Premier Checking
0.05%$2k-JumpStart Checking

Shell Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%*$50k*-6 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-Business 6 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.65%*$50k*-12 Month Share Certificate
OTHER TIERS: 3.50% → $500 - $50k
3.65%*$50k*-Business 12 Month Share Certificate
OTHER TIERS: 3.50% → $500 - $50k
3.40%*$50k*-18 Month Share Certificate
OTHER TIERS: 3.25% → $500 - $50k
3.40%*$50k*-Business 18 Month Share Certificate
OTHER TIERS: 3.25% → $500 - $50k
3.15%*$50k*-24 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-30 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-36 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-48 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-60 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-Business 24 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-Business 30 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-Business 36 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-Business 48 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-Business 60 Month Share Certificate
OTHER TIERS: 3.00% → $500 - $50k
2.90%*$50k*-3 Month Share Certificate
OTHER TIERS: 2.75% → $500 - $50k
2.90%*$50k*-Business 3 Month Share Certificate
OTHER TIERS: 2.75% → $500 - $50k

Shell Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%*$50k*-6 Month IRA Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.65%*$50k*-12 Month IRA Certificate
OTHER TIERS: 3.50% → $500 - $50k
3.40%*$50k*-18 Month IRA Certificate
OTHER TIERS: 3.25% → $500 - $50k
3.15%*$50k*-24 Month IRA Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-30 Month IRA Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-36 Month IRA Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-48 Month IRA Certificate
OTHER TIERS: 3.00% → $500 - $50k
3.15%*$50k*-60 Month IRA Certificate
OTHER TIERS: 3.00% → $500 - $50k
2.90%*$50k*-3 Month IRA Certificate
OTHER TIERS: 2.75% → $500 - $50k
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