Texell Credit Union

Overview / Commentary
17 S 1st St
Temple, TX 76501-7603

Texell Credit Union is headquartered in Temple and is the 59th largest credit union in the state of Texas. It is also the 692nd largest credit union in the nation. It was established in 1948 and as of June of 2019, it had grown to 125 employees and 40,069 members at 9 locations. Texell Credit Union's money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Texell Credit Union is open to everyone in Williamson or Bell counties, or within a 10 mile radius of West Whitestone Boulevard in Cedar Park, TX. Eligibility also extends to immediate family of current credit union members, and Texas residents who would like to join or are already existing members of, the Texas Consumer Council.
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Reviews (7)

Great Credit Union!

Posted by: HiyaTexas | Aug 28, 2014

I always receive great service at Texell. I love that I can deposit check from my phone and that their debit card earns rewards. Glad I made the switch to Texell a few years ago.

Honest And Simple Credit Union

Posted by: TimAlbre | May 31, 2013

Texell's good people.  They have competitive rates, especially compared to Bell County.  They aren't quite the best in Williamson county, but the difference is minimal and the employees know the customers a lot better.

The previous reviewer is right: the car warranties do not cover existing conditions on the car (so you can't buy a broken car and a warranty and get a windfall).  I think that's fair, and I think the 30 day waiting period for claims is reasonable, but people might disagree on that.  The warranties are actually not very expensive compared to the warranties auto dealers offer.  Austintacious autos offered a warranty that was essentially identical to the American Mercury warranty Texell offered for the same car, but it was more than double the price.  American Mercury has good reviews online, but you do need to do your homework and read the warranty before you agree to buy it, which can be difficult these days as a lot of us negotiate our auto loan over the phone while shopping for cars.  

Anyway, Texell's got good people, but they are given bonuses for selling products like warranties and getting a lot of loans.  I think that's pretty typical for loan officers, but Texell was willing to explain to me exactly how it works, which seems really honest to me.

Cheapskate that I am, I took all my business to UFCU, an Austin favorite credit union, because their rates are better than Texells across the board.  Unfortunately, UFCU's service was inferior to Texell's where I always know the people I'm dealing with, such as Deb, Samantha, Dustin, and Joy at the HEB in Leander.  Every time I have a problem with UFCU, they tell me to go home and fix it with their website (even if the problem IS the website).  Every time I had an issue with my Texell account, they made sure the problem was fixed before I left the branch.  Texell is the little guy, so they can't afford to treat their members like they are disposable.  I regret making that change and will probably come back when my auto loan is paid down to the point I can refinance.

Very Satisfied With Texell

Posted by: Stacey | Jan 26, 2011

I have been very happy with Texell from the first day I joined the credit union.  The friendly employees make banking at Texell a very pleasant experience, they are always happy to help.  Texell also offers the lowest loan rates and highest deposit rates around.  

A Great Texas Credit Union--Texell

Texell Credit Union, located in Killeen and Temple, Texas, greatly exceeds the standard for customer service in credit unions. I had a prior bankruptcy due to catastrophic medical bills when I first joined this credit union. This would have barred me from many banks/credit unions, but Texell approved my membership the same day I applied. The branch manager discussed with me ways they could help rebuild my credit through secured and personal loans, and also helped me apply for a re-fi on my mortgage which will save me a considerable amount of money.

I had another stint in the hospital while I was in the process of applying for this loan, and the loan officers were incredibly patient with me when I didn't have my documents on hand and was slow about calling them back.

The only thing I'd change about Texell is the online banking system. It locks me out at random intervals, and I have to call the nice people at customer support and change my password.

Overall, I give Texell top marks among Texas credit unions.

Stay Away, There Are A Lot Of Credit Unions That They Actually Care About Keeping Their Members Business

Posted by: Margo | Feb 12, 2014

Not a great credit union. It's all about how much they can collect fees. Every bank gives you a first time waiver. But not them. And every credit union offer you a skip a pay around the holidays, but not texell they actually charge you a fee for skip a pay. It's pathetic .


Posted by: mtharr61 | Aug 29, 2013

They just raised my cc rate . Never received notice- just saw it on the website.
Been holding 10 minutes for customer service and there's 14 callers ahead of me.
I've also sent emails from their website that they never reply to.
Like I said- good rates for the most part but horrible/ non existent customer service.

Texell Credit Union Fraudulent Car Warranty

Beware vehicle warranty!

Don't get ripped off by the extended vehicle warranty that Texell credit union "automatically" tags on to your vehicle loan under the misguided logic that your interest rate will go up if you don't take it. It is a total rip off. It does not begin to cover you until 30 days or 1000 miles AFTER you sign the papers! And lest I forget, they don't bother to get the paperwork back to you until you are well into this time period. DO NOT opt for this worthless warranty! The very inexperienced and script reciting loan reps must be working on a bonus system for how many of these bogus warranties they tack onto people's loan applications. Be aware! Be very aware!


Health Grade Components

NCUA #68608
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD1.33%
Return on Equity - YTD12.21%
Annual Interest Income$8.3MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$389.4MM$347.0MM
LoansQ2 2019vs Q2 2018$318.9MM$292.9MM
DepositsQ2 2019vs Q2 2018$338.9MM$301.8MM
Equity CapitalQ2 2019vs Q2 2018$42.4MM$37.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$4.4MM$4.9MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.0MM$3.1MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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Always verify rates and promotions with the bank or credit union. We are not Texell 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.

Texell Credit Union Savings Account Rates

2.25%$500-Single HSA
2.25%$500-Family HSA
0.20%$5-cha-ching! Savings
0.20%$100-IRA Savings
0.20%$5-Dollar Squad Savings
0.20%$5-Thr!ve Savings

Texell Credit Union Money Market Rates

1.70%*$250k*-Money Market
OTHER TIERS: 0.40% $2.5k - $10k | 0.55% $10k - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k | 0.75% $100k - $150k | 0.90% $150k - $250k

Texell Credit Union Checking Account Rates

0.50%*-$500Thr!ve Checking
OTHER TIERS: 0.10% $500+
0.25%*$50k*-Choice Advantage Checking
OTHER TIERS: 0.15% $500 - $10k | 0.18% $10k - $25k | 0.20% $25k - $50k
0.15%$500-Choice Plus Checking

Texell Credit Union CD Rates

2.70%$1k-60 Month CD
2.40%$1k-48 Month CD
2.25%$1k-36 Month CD
2.10%$1k-24 Month CD
1.90%$1k-12 Month CD
1.51%$1k-6 Month CD

Texell Credit Union Locations
Branch Office723 W University Ave Ste 100Georgetown, TX 78626-6607
Branch Office2208 Sunny LnKilleen, TX 76541
Branch Office3314 S 31st StTemple, TX 76502-2721
Branch Office17 S 1st StTemple, TX 76501-7603
Branch Office651 N Highway 183Leander, TX 78641
Branch Office416 Lake RdBelton, TX 76513
Branch Office5 S 1st StTemple, TX 76501-7603
Branch Office6607 W Adams Ave Ste FTemple, TX 76502-5594
Branch Office875 W Whitestone BlvdCedar Park, TX 78613

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