Shell Credit Union Houston TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to Shell, your trusted financial partner located at 1600 Bay Area Blvd, Houston, TX 77058. Since our establishment in 1937, we've dedicated ourselves to serving our community with integrity and commitment. With over 152,341 members benefiting from our services, we understand the importance of providing personalized financial solutions that fit your unique needs. At Shell, we pride ourselves on being more than just a credit union; we are a part of the fabric of the Houston community. Our total assets amount to an impressive $1,839,411,280, reflecting our robust financial health and ability to support our members' dreams through various loan offerings totaling 102,264 loans and leases. We also hold $86,892,425 in deposits, ensuring that your money is secure and accessible whenever you need it. Our leadership team is committed to excellence. Under the guidance of CEO Jose Rodriguez and Board President Donald Booth, we strive to create a welcoming environment for all. Whether you're interested in personal banking options like checking accounts and auto loans or business services such as merchant services and business loans, we are here to help. For any official correspondence, please note that while you can visit us at our branch location, all mail should be directed to PO Box 578, Deer Park, TX 77536. If you have questions or want to learn more about how we can assist you on your financial journey, don't hesitate to reach out at 713-844-1100. We invite you to explore our offerings further by visiting our website at www.shellfcu.org. Join us today and experience the difference of banking with a member-focused credit union!

Branch History & Mission

At Shell, we are proud to share a rich history that dates back to 1937 when our doors first opened in the heart of Houston, TX. Over the years, we have grown alongside our community, evolving from a small local credit union into a trusted financial partner for over 152,000 members. Our branch is located at 1600 Bay Area Blvd, Houston, TX 77058, conveniently situated near local landmarks and easily accessible for all. Our mission is straightforward yet powerful: we aim to provide exceptional financial services while supporting the communities we serve. This commitment drives us to offer a wide range of products including personal banking, auto loans, mortgages, and business banking solutions. We believe in empowering our members by providing them with the tools and resources they need to achieve their financial goals. As we celebrate our legacy of trust and service, we also embrace innovation. Our branch has adopted digital advancements such as online banking and mobile payment options, ensuring that members can manage their finances anytime and anywhere. We're dedicated to maintaining ADA compliance so that all individuals can access our services with ease. While members can visit us at 1600 Bay Area Blvd, official correspondence should be sent to PO Box 578, Deer Park, TX 77536 if needed. Our operating hours are designed to accommodate your busy schedule: Monday through Wednesday and Friday from 9 AM to 5 PM; Thursday from 9 AM to 5:30 PM; and Saturday from 9 AM to 12:30 PM. Beyond providing financial services, we prioritize community outreach and partnerships that uplift those around us. We take pride in our drive-thru banking option for quick service and our ATM availability for easy access to cash. Our team is always ready to assist you with any questions or needs you may have. You can reach us at 713-844-1100. We invite you to join Shell today! Experience the benefits of being part of a credit union that truly cares about its members and community. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Features

At Shell Credit Union, we strive to make your visit as smooth as possible. Our branch offers ample parking and features designed for accessibility, including ramps and ADA-compliant facilities. If you're short on time, take advantage of our drive-thru service for quick deposits and withdrawals.

Operating Hours

We're here for you during convenient hours: Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday until 5:30 PM, Friday until 5:00 PM, and Saturday from 9:00 AM to 12:30 PM. We are closed on Sundays so our team can recharge and prepare for the week ahead.

Services Offered

Shell Credit Union is proud to provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Our ATM is available for easy cash access anytime, while online and mobile banking give you flexibility right at your fingertips. Feel free to call us at 713-844-1100 if you have any questions or need assistance. We look forward to welcoming you to our Bay Area branch soon!

Member Eligibility

At Shell, we believe that becoming a member is not just about opening an account; it's about joining a community that cares. We welcome anyone who lives, works, worships, or attends school in the areas we serve. If you meet these simple criteria, you're already on your way to enjoying the many benefits of membership at Shell. Our members enjoy competitive rates on loans and savings, personalized service, and access to a variety of financial products tailored to their needs. Getting started is easy! Simply visit us at our branch located at 1600 Bay Area Blvd Houston Tx 77058, or give us a call at (713) 844-1100 for more information. You can also find detailed eligibility requirements by checking out this link: . We're excited to help you take this step toward better financial health with us!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $15 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $503,850, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools to accept payments quickly and securely while focusing on what you do best running your business. Our merchant services provide seamless payment processing solutions that allow you to serve your customers efficiently. From credit card transactions to mobile payments, we help simplify your financial transactions so you can concentrate on growth. Visit us at 1600 Bay Area Blvd Houston Tx 77058 in Houston, TX, or give us a call at (713) 844-1100 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM and drive-thru services make accessing your funds easy. With basic cash withdrawal capabilities and simple transaction options available at our drive-thru, managing your finances has never been more convenient. At Shell, we pride ourselves on being more than just a financial institution; we're a community partner committed to helping you achieve your goals. Explore these services today and see how they can fit into your life. Ready to take the next step? Visit us at 1600 Bay Area Blvd Houston Tx 77058 or call us at (713) 844-1100 for more information about how we can assist you!

Business Banking Services

For business owners, we offer specialized services that cater to your unique needs. Our business banking solutions, including merchant services and business loans, ensure that your company has the financial backing it requires to thrive in today's competitive market.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your accounts anytime and anywhere. Pay bills, transfer funds, or check balances from the comfort of your home or while on the go our digital tools are designed with your busy lifestyle in mind.

Credit Cards and Rewards

Our credit cards come with rewards that can benefit you significantly over time. Whether you're earning points for travel or cashback on everyday purchases, these cards add value to your spending habits.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for future goals, our personal banking services cater to all stages of life. We offer checking and savings accounts that provide you with easy access to your funds while helping you grow your savings. For those considering a new vehicle, our auto loans and vehicle financing options make it straightforward to drive away in the car of your dreams. If homeownership is on your mind, our mortgage loans and refinancing services can guide you through the process, ensuring you find the right fit for your budget. Additionally, for unexpected expenses or consolidating debt, our personal loans provide a reliable solution tailored just for you.

Digital & Online Banking

Convenient Online Banking

With our online banking platform available at http://www.shellfcu.org , you can check balances, transfer funds, and pay bills all from the comfort of your home or wherever life takes you. Our 24/7 online banking services ensure that you are always connected to your finances without having to wait for branch hours.

Mobile Features for On-the-Go Access

For those who prefer mobile banking, our user-friendly mobile application is available for download, making it easy to manage your accounts right from your smartphone. With mobile payments enabled, you can make purchases quickly and securely without needing cash or cards. Plus, our person-to-person transfer feature allows you to send money to friends and family instantly perfect for splitting bills or sending gifts. At Shell, we strive to make banking as straightforward as possible while providing the security you deserve. Join us today and discover how our digital banking services can simplify your financial life!

Secure Transactions

Security is our top priority. We offer features like electronic signature authorization, so you can sign documents safely and conveniently from anywhere. You can also receive e-statements, reducing paper clutter while keeping your information safe and accessible.

Financial Strength

Community Trust

Total Share Accounts stand at 295,838, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, demonstrating our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Shell is your trusted partner. Visit us at 1600 Bay Area Blvd Houston Tx 77058 or call (713) 844-1100 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $432,324,372 in share certificates and $129,208,333 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our robust $14,496,503 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 472 full-time employees and 53 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $211,400,304 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $24,277 in used auto loans and $1,449,448,196 in total loans and leases.

Strong Financial Health

With a net worth of $227,656,526, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,237 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $519,541,987 in used vehicle loans and $198,448,708 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates, making it easier for you to drive away in your next vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $503,850 provide the capital needed to grow and expand your enterprise. Our tailored solutions can help you meet your specific business needs, whether it's for equipment purchases or working capital.

Credit Lines

Additionally, we provide access to credit lines totaling $445,572,788, offering flexibility when unexpected expenses arise. With these lines of credit, you can withdraw funds as needed while only paying interest on the amount utilized.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $63,620,856, make buying or refinancing simple. Whether you are a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that could lower your monthly payments or reduce your interest rate. Our team is ready to discuss eligibility and find solutions that fit your unique financial situation. For more details on our loan offerings or to start an application today, feel free to reach out at (713) 844-1100 or visit us at 1600 Bay Area Blvd Houston Tx 77058 in Houston, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial goals!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $95,654,799 in loans helping members manage their finances effectively. This option is great for those who want to build credit or need assistance with everyday expenses without tying up collateral.

Loan Aggregator

Benefits of Using LendMesh

LendMesh provides several key benefits that build trust and confidence in its service: - Verified Data: All loan offers come from reputable financial institutions, ensuring you have access to reliable information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results, allowing you to compare loans fairly. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly the platform is. Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers presented are fair and transparent. By gathering information from legitimate financial institutions, LendMesh guarantees that users receive only verified data.

SHELL

Type of Loan Offerings

Personal Loans

Vehicle Loans