Shell FCU is a member owned and operated cooperative serving Harris County. We offer a wide range of services at no-cost or at lower costs than traditional financial institutions, including more favorable rates on dividends and loans.
Anyone who lives, works, worships, attends school, or regularly conducts business in Harris County can bank with Shell FCU. Thank you for the opportunity to serve you!
Shell Federal Credit Union bad customer service 👎
MW
Michael Williams
Oct 16, 2025
5.0
Good people at this location
SB
Shawanda Barnes
Aug 22, 2025
1.0
The app is garbage. They charge my husband a $25 courtesy pay every time he uses his card like if he has no money. He gets a deposit the app says this what's left the bank says different. My husband has had his money deposited to that bank for years and never had to deal with it. When you call to talk with them they tell you it's your fault. How you get a 1,500 deposit and spend $800 then every small purchase after that a $25 courtesy pay because they say the bank had to give him a loan. Whose numbers off. Channel 2 news we need an investigation because we working with a lawyer over here
RM
Rebecca Miranda
Nov 25, 2024
1.0
Horrible place to get auto loans . Completely misinformed me and even forgot to charge me sales tax on my vehicle loan and cut off access to my money until I was forced to pay the sales tax. Employees need more training and better people skills. I’ve been a customer for years and now just waiting to pay off my vehicle and hope to never do business here again. Only person who is helpful is Alexia.
RH
Ratio Hill
Aug 9, 2023
1.0
Rude Monica Gonzalez. This was my worse experience at a financial institution in the United States. I Went to Shell federal credit union to withdraw my CD that reached its maturity date. I was notified by the bank that if I did not I would be penalized.
I was sent to a banker who had no knowledge of banking and finance. I don't know whether she got that job through a family member. I told her what I came to do and she would not allow me to withdraw my money and told me many lies that I did not have any CDS and maybe I had them with a joint account with family members. I told her that was not the cause but she insisted, I had to excuse myself from the room. She was very abrasive, very rude, and very untruthful. She lacks knowledge of banking and finance. She was very loud. Very vociferous and could not believe that was the bank that was very inept. Oh my gosh, what a bad experience. They don't even deserve a stay. She failed to listen and provide exceptional service.
this is the third issue I have had with Shell, they charged me late fees on my loans when my loans were current and they charges me a late fee on my credit card when I always paid them in full with no credit card balance and I always paid my loans more than the minimum and before the due date. The credit union is not a good financial institution.
Monica Gonzales should not be working at this bank
Frequently Asked Questions About Shell Federal Credit Union
What are the regular business hours for Shell Federal Credit Union?
Shell Federal Credit Union is open Monday to Friday from 9:00 AM to 5:00 PM, Thursday until 5:30 PM, and Saturday from 9:00 AM to 12:30 PM. It is closed on Sundays.
What are the online service hours for Shell Federal Credit Union?
Online services are available Monday through Friday from 7:00 AM to 10:00 PM, Saturday from 9:00 AM to 5:00 PM, and closed on Sundays.
Does Shell Federal Credit Union offer extended or special hours for drive-thru services?
Yes, the drive-thru is open Monday to Wednesday from 7:30 AM to 6:00 PM, Thursday to Friday from 7:30 AM to 7:00 PM, Saturday from 8:00 AM to 12:30 PM, and is closed on Sunday.
Can I contact Shell Federal Credit Union by phone or email?
Yes, you can call them at +1 713-844-1100 or toll-free at +1 800-388-5542. Their email address is contactusemails@shellfcu.org.
What types of financial products does Shell Federal Credit Union offer?
Shell FCU offers checking and savings accounts, IRAs, money market accounts, business accounts, share certificates, auto loans, credit cards, personal loans, and mortgage loans.
Are there mobile apps available for Shell Federal Credit Union?
Yes, Shell FCU has mobile apps available for Android and iOS devices, accessible via Google Play Store and Apple App Store respectively.
What services can I access at Shell Federal Credit Union besides banking?
Shell FCU offers appointments, investments, insurance, digital banking, notary services, safety deposit boxes, wire transfers, VISA gift cards, cashier's checks, money orders, and Western Union services.
Is Shell Federal Credit Union wheelchair accessible and does it have a drive-thru?
Yes, Shell Federal Credit Union has a wheelchair accessible entrance and offers drive-thru service.
What nearby dining options can I visit before or after my visit to Shell Federal Credit Union?
Nearby restaurants include Laredo Taco Company, Chick-fil-A, Black Bear Diner Baytown, and Mambo Seafood, offering a variety of dining choices.
Are there convenient gas stations or automotive services near Shell Federal Credit Union?
Yes, Exxon, Baytown Buccees, Community Kia Service Center, Community Honda, Baytown Ford, and other automotive dealerships and service centers are nearby for your convenience.
How can the nearby Western Union service enhance my experience at Shell Federal Credit Union?
With Western Union located nearby, you can easily access money transfer services in conjunction with your banking needs at Shell FCU.