Shell Federal Credit Union

Banks, Credit Unions
Hours: Shell Federal Credit Union is a member owned and operated cooperative serving Harris County, offering a wide range of services at no-cost or at lower costs than traditional financial institutions. Reviews highlight great customer service, with staff members noted for being polite, courteous, and taking time to understand needs. They provide personalized recommendations, answer questions patiently, and tailor appropriate resolutions, making processes smooth without wasting time. Opening an account is easy and does not take very long, requiring $5 for a checking account alongside a savings account. There are no banking fees, and accounts include an interest-bearing savings account and a real banking debit card printed in the branch. Some note a 90-day rule for new accounts where checks cannot be cashed out and must be deposited into savings with a two-week hold; mobile check deposits are also not available during this initial period, requiring an in-bank visit. The credit union offers competitive rates and favorable terms on dividends and loans, including vehicle refinancing. Many customers report a positive experience and state they will recommend the credit union to friends and family.

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