What are the current interest rates at SHELL?

Current rates for SHELL include: Savings: 0.10%

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SHELL Rates & Review March 2026

Q: Is SHELL a safe place to deposit money?

Yes, SHELL is considered a safe financial institution. With a Texas Ratio of 5.3414062572257%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does SHELL operate?

SHELL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SHELL?

Yes, to access services at SHELL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, SHELL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SHELL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 15, 2026

SHELL's savings rates are at 0.10%. SHELL's Personal Loan Rates are at 9.49%. MonitorBankRates evaluates the financial stability of SHELL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.34%. Rates were last updated on 03/15/2026.

SHELL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SHELL? Share your experience about SHELL by leaving a review below, or read customer reviews before you decide to use SHELL.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.34%

Excellent Lower than avg

Tipton Latham Bank
Deer Park Corporate Office

201 E 13th St
Deer Park, TX 77536 3260

http://www.shellfcu.org

SHELL Savings Rates

Product	Rate	APY
High Yield eSavings	-	3.00%
Min Deposit $5 Min Balance $0 Details Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00 Last Updated 03/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
High Yield eSavings	-	2.00%
Min Deposit $5 Min Balance $0 Details Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00 Last Updated 03/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Christmas Club	-	0.50%
Min Deposit $10 Min Balance $10 Last Updated 03/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Savings	-	0.10%
Min Deposit $5 Min Balance $5 Last Updated 03/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

SHELL Personal Loan Rates

Product	Rate	APR	View More
Signature/Personal Loan	-	9.49%
No additional details. Last Updated 03/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SHELL is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SHELL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SHELL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SHELL

Website http://www.shellfcu.org

Address 201 E 13th St, Deer Park, TX 77536 3260

Phone 713-844-1100

Fax

President Ben Esquivel

CEO Jose Rodriguez

Full-Time Employees 450

Part-Time Employees 44

Branch Locations 14

ATM Locations 14

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.34%

Return on Assets (ROA)

0.8685%

Return on Equity (ROE)

6.5494%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

1,906,252,321

Total Amount of Shares and Deposits

1,624,098,964

Total Shares and Deposits < 1 Year

1,490,384,501

Total Shares and Deposits 1 3 Years

102,510,228

Total Shares and Deposits > 3 Years

31,204,235

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

105,101,846

Total Uninsured Shares and Deposits > $250K (F+J)

105,101,846

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,518,997,118

Total Interest Expense (Sum of items 6 8)

26,202,574

Share Certificates

9,425

Number of Accounts for Share Drafts

124,425

IRA KEOGH Accounts

2,424

Number of Accounts for Regular Shares

173,947

Money Market Shares

2,913

Net Income (unless the amount is already included in Undivided Earnings)

16,556,116

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

140,732,611

Total Liabilities

1,658,454,000

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About SHELL

Is SHELL a safe place to deposit money?

Yes, SHELL is considered a safe financial institution. With a Texas Ratio of 5.3414062572257%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does SHELL operate?

SHELL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SHELL?

Yes, to access services at SHELL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SHELL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SHELL provides members with tools to manage their accounts and build a solid financial history.

Does SHELL offer online and mobile banking?

Most modern institutions like SHELL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.shellfcu.org.