Texell Credit Union


Overview / Commentary
254-773-1604
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 683rd largest credit union in the nation. It was established in 1948 and as of December of 2019, it had grown to 134 employees and 41,243 members at 10 locations. Texell Credit Union's CD rates are 11% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Texell Credit Union is open to those who live, work, worship, or attend school in Bell, Burnet, Coryell, Falls, Lampasas, McLennan, Milam, Travis or Williamson County, Texas. Eligibility also extends to immediate family of current Texell Credit Union members. Texas residents who would like to join or are already existing members of the Texas Consumer Council are also eligible for membership.
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Member And Community Focused

Posted by: |

My family and I have been banking with Texell for over 11 years. We've received two truck loans, a land loan, and now a credit card with them, and for good reason. The people at Texell genuinely care for the well-being of their members and their fantastic rates, offers, and service reflect that. They also do a lot of good for the community whether its blood drives or feeding the homeless. That may not matter to some, but it is important to our family's Christian values.

Very Satisfied With Texell

Posted by: |

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.

I Kid You Not, They Won't Tell You What The Early Withdrawal Penalty Is For Their Cds

Posted by: |

I really wanted to become a member of Texell and buy their 5 year CD, but nowhere on their website does it list the early withdrawal penalty (typically expressed in "days of interest"). If you call them, they say it's a calculation based on how much you withdraw and when. If you ask them for that formula, they say they can't give it to you.

It's the first I've come across this and not even sure it's legal (to enter into a contract where they tell you what the terms are later). Anyway, best to avoid!

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Health

Health Grade Components

Overall
NCUA #68608
Year Chartered1948
Employees134
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD9.62%
Annual Interest Income$17.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$406.7MM$355.0MM
LoansQ4 2019vs Q4 2018$338.5MM$307.5MM
DepositsQ4 2019vs Q4 2018$353.7MM$308.4MM
Equity CapitalQ4 2019vs Q4 2018$44.0MM$39.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$5.6MM$5.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$3.4MM$3.3MM
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-Single HSA
1.00%$500-Family HSA
0.20%$100-Savings
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Money Market
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k

Texell Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*-$500Thr!ve Checking
OTHER TIERS: 0.10% $500+
0.25%*$50k*-Choice Advantage Checking
OTHER TIERS: 0.05% $500 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.05%$500-Choice Plus Checking

Texell Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-48 Month Share Certificate
1.50%$1k-60 Month Share Certificate
1.25%$1k-36 Month Share Certificate
1.20%$1k-48 Month Bump Rate CD
1.10%$1k-24 Month Share Certificate
1.00%$1k-12 Month Share Certificate
1.00%$1k-18 Month Share Certificate
0.60%$1k-6 Month Share Certificate

Texell Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-48 Month IRA Share Certificate
1.50%$1k-60 Month IRA Share Certificate
1.25%$1k-36 Month IRA Share Certificate
1.10%$1k-24 Month IRA Share Certificate
1.00%$1k-12 Month IRA Share Certificate
1.00%$1k-18 Month IRA Share Certificate
0.60%$1k-6 Month IRA Share Certificate
Locations


Cities: Belton, Cedar Park, Georgetown, Killeen, Leander, Temple, Waco

Belton Branches
Branch Office416 Lake RdBelton, TX 76513

Cedar Park Branches
Branch Office875 W Whitestone BlvdCedar Park, TX 78613

Georgetown Branches
Branch Office723 W University Ave Ste 100Georgetown, TX 78626-6607

Killeen Branches
Branch Office2208 Sunny LnKilleen, TX 76541

Leander Branches
Branch Office651 N Highway 183Leander, TX 78641

Temple Branches
Branch Office3314 S 31st StTemple, TX 76502-2721
Branch Office17 S 1st StTemple, TX 76501-7603
Branch Office5 S 1st StTemple, TX 76501-7603
Branch Office6607 W Adams Ave Ste FTemple, TX 76502-5594

Waco Branches
Branch Office1221 Hewitt Dr Ste AWaco, TX 76712-8896

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