Shell Credit Union Houston TX | Top Auto Loans & Business Banking

Introduction

Welcome to Shell, your trusted partner in financial wellness located at 11391 Monroe Rd, Houston, TX 77075. Since our establishment in 1937, we've been dedicated to serving our community with integrity and reliability. With a robust membership of 152,341 individuals, we pride ourselves on being more than just a credit union; we are a vital part of the community fabric. At Shell, we're committed to helping you achieve your financial goals. With total assets exceeding $1.83 billion, we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our dedication is reflected in our impressive total deposits of $86,892,425 and a net worth of $227,656,526. We understand that each member's financial journey is unique, which is why we provide tailored solutions to fit your needs. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 578, Deer Park, TX 77536. Our friendly team is here to assist you six days a week. Feel free to reach out to us at 713-844-1100 for any inquiries or assistance. Under the leadership of CEO Jose Rodriguez and Board President Donald Booth, our team of 525 employees works tirelessly to ensure you receive exceptional service every time you walk through our doors or connect with us online. Join us today at Shell Credit Union your financial success is our priority! Visit us online at http://www.shellfcu.org or stop by our branch to learn how we can support you in reaching your financial dreams.

Branch History & Mission

A Legacy of Service

Since our inception, Shell has been dedicated to providing exceptional financial services tailored to the unique needs of our community. We understand that every member's journey is different, which is why we offer a wide range of services including personal banking, auto loans, mortgage options, and business financing. Over the years, we've adapted to the changing landscape of banking while maintaining our commitment to personalized service. Our growth has been remarkable. With total assets now exceeding $1,839,411,280, we have positioned ourselves as a reliable institution where members can feel secure about their finances. The support we provide goes beyond numbers; it's about enriching lives through financial education and empowerment.

Community Commitment

Our dedication extends beyond financial services; we actively participate in local initiatives aimed at uplifting our neighborhood. From sponsoring local events to offering financial literacy workshops, we strive to make a positive impact on those around us. We believe that by supporting each other, we can create a thriving community where everyone has the opportunity to succeed. As we look toward the future, we invite you to join the Shell family. Experience firsthand how our commitment to service and community can help you achieve your financial goals. Whether you're looking for straightforward banking solutions or seeking advice on complex financial matters, we're here for you every step of the way. Contact us today at (713) 844-1100 or visit our website at http://www.shellfcu.org to learn more about becoming a member of Shell. Together, let's build a brighter future!

Our Mission

At the heart of Shell is our mission: to improve the financial well-being of our members and foster community growth. We believe in making financial services accessible to everyone, ensuring that all members can achieve their goals whether it's buying a first home or starting a new business. This mission drives us to continually innovate and enhance our offerings, such as mobile banking and online services that provide convenience without compromising personal touch. While you can visit us at 11391 Monroe Rd Houston Tx 77075, official correspondence should be directed to PO Box 578, Deer Park, TX 77536 if needed. Our friendly staff is here during operating 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 to assist you with all your banking needs.

Branch Location & Accessibility

Easy Access and Nearby Landmarks

Situated near the bustling area of Monroe Road, our branch is easily accessible for everyone in the neighborhood. If you're coming from nearby landmarks like the Houston Hobby Airport or the vibrant community parks, you'll find us just a short drive away. Plus, we have ample parking available for your convenience. For those who might need assistance, our location is ADA-compliant, featuring ramps and accessible entrances to ensure everyone can visit us comfortably.

Get in Touch!

We invite you to visit us at our Houston location or give us a call at 713-844-1100 if you have any questions about our services or want to learn more about how we can help you achieve your financial goals. Your local Shell branch is here for you every step of the way!

Operating Hours and Services Offered

Our doors are open Monday through Wednesday from 9:00 AM to 5:00 PM, with extended hours on Thursdays until 5:30 PM. On Fridays, we welcome you from 9:00 AM to 5:00 PM and have Saturday hours from 9:00 AM to 12:30 PM. Please note that we are closed on Sundays. At Shell, we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered! Need cash? Our ATM is readily available for quick withdrawals and balance checks. And if you prefer banking without stepping inside, our drive-thru service makes it easy for deposits and simple transactions on-the-go.

Member Eligibility

At Shell, we believe that everyone deserves the chance to be part of a caring and supportive community. Becoming a member is straightforward! If you live, work, worship, or attend school in our local area, you're likely eligible to join us. We welcome individuals from various backgrounds and experiences, making it easy for you to access our fantastic services designed just for you. For detailed eligibility criteria, feel free to check out our resource. Once you're ready to take the next step, opening an account with us is simple and convenient. Our friendly team is here to guide you through the process and answer any questions you may have. Just give us a call at (713) 844-1100, or visit us at 11391 Monroe Rd Houston Tx 77075. We can't wait to help you start your journey with Shell!

Business Banking & Commercial Services

Loan Options for Growth

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 That Work

Imagine having the ability to accept payments anywhere whether at a busy market or from the comfort of your office. Our merchant services make it easy for you to manage transactions smoothly. You can focus on serving your customers while we handle the payment processing seamlessly. Visit us at 11391 Monroe Rd Houston Tx 77075 in Houston, TX, or call us at (713) 844-1100 to learn how our business banking solutions can help fuel your success!

Comprehensive List Of Services

Business Banking

For our business members, we understand that managing finances is crucial for success. That's why we offer Business Banking services including Merchant Services & Business Loans. These tools help streamline operations and support growth ambitions while ensuring financial stability.

Credit Cards

With our Credit Cards with Rewards, not only can you manage everyday purchases, but you can also earn points towards travel, merchandise, and more. It's an excellent way to benefit from your spending habits while enjoying the convenience of credit.

Drive-Thru and ATM Services

If you prefer face-to-face service but are short on time, take advantage of our basic Drive-Thru Banking which allows for quick deposits and withdrawals without leaving your car. Additionally, our ATMs provide 24/7 access for balance checks and cash withdrawals whenever you need them. At Shell, we pride ourselves on being more than just a financial institution; we are part of this community's fabric. To learn more about any of these services or how we can assist you further, please give us a call at (713) 844-1100 or visit us at our branch location in Houston. Join us today and discover how we can help secure your financial future!

Home Loans and Refinancing

Owning a home is a significant milestone, and we want to help make that happen for you. Our Mortgage Loans & Refinancing services cater to first-time buyers and seasoned homeowners alike. With personalized guidance through the mortgage process, we ensure you're equipped with the right information to make informed decisions about your home financing.

Online and Mobile Banking

In today's fast-paced world, convenience matters. Our robust Online & Mobile Banking platforms allow you to bank anytime, anywhere. You can easily check balances, transfer funds, and even pay bills with just a few taps on your smartphone or computer. Plus, our ATM & Cash Withdrawal Services ensure that accessing cash is never a hassle.

Personal Banking

Whether you're just starting out or looking to manage your wealth, our personal banking services are designed for everyone. We offer Checking & Savings Accounts that help you save for future goals while providing easy access to your funds. If you're thinking about buying a car, consider our Auto Loans & Vehicle Financing options that feature competitive rates and flexible terms, making it simple for you to drive away in your dream vehicle.

Personal Loans and Debt Solutions

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options can help relieve financial stress by providing quick access to cash when you need it most. Whether it's for medical bills, education expenses, or consolidating debt, we're here to assist.

Digital & Online Banking

At Shell, we understand that life can get busy, and you need banking solutions that fit into your schedule. That's why our digital and online banking services are designed to offer you convenience and security, allowing you to manage your finances anytime, anywhere. With our easy-to-use online banking platform, accessible at http://www.shellfcu.org, you can check your balances, pay bills, and transfer funds without stepping foot in a branch. You'll appreciate the ability to view your e-statements anytime, making it easier to stay on top of your financial health. Plus, if you prefer a paperless option, our electronic signature authorization lets you handle agreements digitally saving time and ensuring your information is secure. For those on the go, our mobile application is a game changer. It allows you to make mobile payments with just a few taps on your smartphone. Whether you're splitting a dinner bill with friends or paying for groceries, our person-to-person transfer feature makes sending money simple and quick. We know that security is a top priority when it comes to managing your finances online. That's why we offer 24/7 online banking services that include robust security measures designed to protect your personal information. Our services are user-friendly, meaning you can navigate them easily without any hassle. Overall, our digital banking options at Shell provide not just ease of access but also real-time management of your accounts. We're here to support you with all your banking needs while giving you the freedom to bank on your terms!

Financial Strength

Growing Community Trust

Total Share and Deposit Accounts: 295,838, show a strong and growing member base that trusts us with their finances. Your trust inspires us to work harder every day. 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 11391 Monroe Rd Houston Tx 77075 or call (713) 844-1100 to learn more about how we can help you achieve your financial goals.

Investment in 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. This reinvestment strategy is designed to improve your experience with us while also growing our financial strength. 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. This means we are equipped to help you achieve your dreams whether it's buying a car or financing larger purchases.

Operational Efficiency

Our $6,228,307 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. The more efficient we are, the more we can pass savings on to you. 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. Your needs come first at Shell, where every employee is dedicated to helping you succeed.

Secure Savings Options

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. You can rest easy knowing that your deposits are backed by our robust financial structure. 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.

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 commitment to being financially sound means you can trust us to handle your money responsibly. Our net worth ratio of 12.37% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This is vital for maintaining your confidence in our ability to serve your financial needs.

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. Whether you're buying a new model or a reliable pre-owned vehicle, our financing options make it easier than ever.

Credit Lines

For those who prefer having funds available as needed, our credit lines are another excellent option. With total credit lines amounting to $445,572,788, you can access funds for unexpected expenses or planned purchases without the hassle of applying for a new loan each time. At Shell, we also provide refinancing options for many of our loan products. This means you may be able to lower your monthly payments or adjust your terms based on your current financial situation. We encourage you to ask about eligibility requirements and how we can assist you further. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial well-being is our priority, and we are committed to helping you find the right loan solution tailored just for you. Visit us today at 11391 Monroe Rd Houston Tx 77075 or call us at (713) 844-1100 to learn more about how we can help meet your lending needs!

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. We provide flexible terms and competitive rates tailored to your financial situation. Whether you're a first-time homebuyer or looking to refinance, our experienced staff can guide you through the process.

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. Our credit cards come with rewards and no hidden fees, making it easier for you to keep track of your spending while earning benefits.

Loan Aggregator

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SHELL FEDERAL CREDIT UNION - Houston, TX

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

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