Shell Credit Union Katy TX | Affordable Auto Loans & ATMs

Introduction

Welcome to Shell Credit Union, your trusted partner in financial success since 1937! Located at 23125 Morton Ranch Rd, Katy, TX 77449, we are proud to serve a vibrant community of over 152,341 members. With a total asset base of $1,839,411,280, our commitment to providing exceptional financial services is unwavering. At Shell Credit Union, we understand the importance of personalized banking experiences. Our dedicated team of 525 employees, led by CEO Jose Rodriguez and Board President Donald Booth, is here to guide you through every step of your financial journey. Whether you're looking for checking and savings accounts, auto loans, or even business banking solutions, we've got you covered! While members can visit us at our branch in Katy, official correspondence should be sent to PO BOX 578, Deer Park, TX 77536. Our extensive range of services includes personal loans, mortgage refinancing, and credit cards with rewards all designed to meet your unique needs. With total deposits of $86,892,425 and net worth standing strong at $227,656,526, we ensure your money is safe and working for you. We invite you to experience the Shell difference. Call us today at 713-844-1100 or visit our website at shellfcu.org to learn more about how we can help you achieve your financial goals!

Branch History & Mission

Community Focus

We understand that financial health goes hand in hand with community well-being. That's why Shell actively participates in local outreach efforts and partnerships designed to enhance life in Katy. Whether it's sponsoring local events or providing financial education workshops, we aim to give back to the people who support us. We invite you to join us at Shell Credit Union and experience firsthand the benefits of membership. Together, let's build a stronger future for you and your family. For any inquiries or assistance, feel free to contact us at 713-844-1100 or visit our website at www.shellfcu.org. Your journey towards better financial health starts here!

Our Evolution

Since opening our doors, Shell has continuously evolved to meet the diverse needs of our members. From humble beginnings as a small credit union, we have expanded our services to include personal banking, auto loans, mortgage financing, business banking, and more. Today, we offer convenient features like online and mobile banking, ensuring that our members can access their accounts anytime and anywhere. Our commitment to excellence is evident in our operating hours. We are here for you Monday through Friday from 9:00 AM to 5:00 PM, with extended hours on Thursday until 5:30 PM and Saturday from 9:00 AM to 12:30 PM. For those who prefer face-to-face interactions or need quick transactions, we also provide drive-thru banking services.

Our Mission

At Shell, our mission is clear: to empower our members financially while fostering a sense of community. We believe in providing not just exceptional financial services but also vital support that uplifts every member of our community. We strive to make banking accessible for everyone by offering ADA-compliant facilities and digital advancements such as mobile payments and electronic statements. While members can visit us at 23125 Morton Ranch Rd Katy Tx 77449, official correspondence should be sent to PO BOX 578, Deer Park, TX 77536. This ensures that all communication is handled promptly and effectively.

Branch Location & Accessibility

Get in Touch

Have questions or need more information? Don't hesitate to give us a call at (713) 844-1100. We invite you to visit us at Shell where our dedicated team is eager to help you achieve your financial goals. We look forward to welcoming you soon!

Nearby Landmarks and Accessibility

Nestled near local favorites like the Morton Ranch Park, our location is easy to find. We provide ample parking and are committed to accessibility for everyone, featuring ADA-compliant ramps and facilities that ensure everyone feels welcome. If you're coming from nearby areas or just passing through, you'll find us right off the main road, making your visit hassle-free.

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours tailored to fit your schedule. Our lobby is open Monday through Wednesday and Friday from 9:00 AM to 5:00 PM, with extended hours on Thursday until 5:30 PM. Need some banking done on Saturday? We're here from 9:00 AM to 12:30 PM! Unfortunately, we are closed on Sundays.

Services Available

At Shell, we offer a variety of services designed to meet your banking needs. From personal checking and savings accounts to auto loans, mortgages, and business banking solutions, our team is ready to assist you every step of the way. For those who prefer quick transactions, our drive-thru service allows for easy deposits and withdrawals without leaving your vehicle. Plus, enjoy the convenience of our ATM services available right here at the branch.

Member Eligibility

At Shell, we believe that everyone deserves a supportive financial community. If you're looking to become a member, you'll find it's an easy and welcoming process. Generally, eligibility is open to anyone who lives, works, or worships in the area around our branch at 23125 Morton Ranch Rd Katy Tx 77449. Whether you're looking for personal banking options like checking and savings accounts or need assistance with loans, our membership offers a variety of benefits tailored to your needs. To get started, simply give us a call at (713) 844-1100 or visit us in person to learn more about the account opening process. For detailed eligibility criteria. We're excited to help you on your journey towards financial wellness!

Business Banking & Commercial Services

Merchant Services That Matter

Beyond loans, our merchant services simplify payment processing so you can focus on what matters most running your business. Imagine being able to accept payments seamlessly from your customers, whether they prefer credit cards or mobile payments. This not only improves cash flow but also enhances customer satisfaction. Located at 23125 Morton Ranch Rd Katy Tx 77449, Katy, TX, we are here to support you every step of the way. Contact us at (713) 844-1100 to learn how we can help your business achieve its goals!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Convenient Access

When it comes to accessibility, we've got you covered! At Shell, we offer ATM services for quick cash withdrawals and balance checks without stepping inside the branch. Our drive-thru service allows for easy deposits and withdrawals during convenient hours, making banking as simple as possible for busy members like you.

Financial Assistance When You Need It

Life can bring unexpected expenses, which is where our personal loans and debt consolidation options can make a significant difference. Whether it's an urgent repair or consolidating high-interest debts into one manageable payment, we have solutions that fit your lifestyle. For those looking to build their credit while enjoying rewards, consider our credit cards with rewards. These cards not only provide convenience but also give you points for every purchase you make turning everyday spending into exciting rewards.

Go Digital with Ease

In today's world, digital banking is essential. That's why we emphasize features like online banking and mobile payments that allow you to bank anytime and anywhere. With options for person-to-person payments and electronic statements, managing your finances has never been more straightforward. If you have questions about any of our services or would like assistance in choosing the right products for your needs, don't hesitate to reach out! Call us at 713-844-1100 or visit us in person during our operating hours: Monday-Wednesday 9:00 AM - 5:00 PM; Thursday 9:00 AM - 5:30 PM; Friday 9:00 AM - 5:00 PM; Saturday 9:00 AM - 12:30 PM (closed on Sundays). Experience banking that's designed around you at Shell! We look forward to serving you soon.

Personal Banking Solutions

Starting with personal banking, we provide various options including checking and savings accounts designed to help you manage your day-to-day finances effectively. Imagine opening a checking account that offers easy access to your funds through our user-friendly online and mobile banking services. You can check balances, make transfers, and even pay bills from anywhere, all with just a few taps on your smartphone. If you're considering purchasing a vehicle, our auto loans and vehicle financing solutions are designed to put you in the driver's seat. With competitive rates and flexible terms, getting behind the wheel of your dream car has never been easier. Plus, if you're looking to buy a home or refinance your existing mortgage, our mortgage loans come with personalized guidance throughout the process.

Supporting Local Businesses

We also cater to small businesses in our community with tailored business banking services, including merchant services and business loans. Our team understands the challenges entrepreneurs face and is committed to providing support that helps local businesses thrive.

Digital & Online Banking

Key Features

Our online banking platform offers a host of features that make it easy for you to stay on top of your finances. Need to check your balance or transfer funds? You can do it all with just a few clicks! Plus, our electronic signature authorization makes signing important documents easier than ever no need to visit the branch in person. You can also enjoy e-statements, which provide a quick and eco-friendly way to keep track of your transactions without cluttering your mailbox. If you're on the go, our mobile application allows you to manage your accounts right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases is as simple as tapping your screen.

Security You Can Trust

Your security is our top priority. Our digital banking services come with robust security measures designed to keep your information safe while giving you peace of mind. We strive to create a user-friendly experience so you can focus more on what matters your life and less on managing money. Whether you're checking account balances, making payments, or transferring funds, Shell ensures you have everything you need at your fingertips. Join us today and discover how easy managing your finances can be!

Financial Strength

At Shell, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trusting us with your finances is an important decision, and we want you to feel confident in our strength and reliability. 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 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. 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. 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 commitment to supporting your financial goals is evident in our robust lending capacity, with $24,277 in used auto loans and $1,449,448,196 in total loans and leases. Our $6,228,307 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. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 295,838, showing a strong and growing member base that trusts us with their finances. 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 23125 Morton Ranch Rd Katy Tx 77449 or call (713) 844-1100 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 financing options that make it easier for you to drive away in the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $503,850 provide the capital needed to grow and expand. We understand the challenges businesses face and aim to support your vision with tailored financial solutions. If you're considering refinancing or exploring eligibility options, our team is ready to assist you in understanding all available choices tailored just for you. For more information about our loan offerings or to speak with one of our representatives, feel free to call us at (713) 844-1100. 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 navigate your financial journey!

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 are here to guide you through each step of the process, ensuring you find a solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

For those looking for flexibility, we also offer unsecured credit card loans with a total of $95,654,799 in loans. This can be an excellent way to manage your finances effectively and cover unexpected expenses without the burden of collateral.

Loan Aggregator

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Real-Time Rate Comparisons

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SHELL FEDERAL CREDIT UNION - Katy, TX

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

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