Shell Federal Credit Union

Reviews

• SJ

  Shirlene James

  Aug 27, 2026
  5.0
  Opened a Large CD and can't even call in to speak to Service Rep. Given a third degree of my personal information, hung up on me and had to call back and then put on hold for 5 minutes. Told that the rep would call me back. My service rep finally called me back!!
• MJ

  Michael Jaramillo

  Aug 11, 2026
  3.0
  UPDATE- The branch Manager Tyrell was able to call me and get this issue resolved. He has helped not only resolve my issue but help improve the app for everyone so it doesn’t happen again. Extremely disappointed with how Shell FCU handled this situation. I attempted to deposit a large CASHIER’S CHECK through the Shell FCU mobile app. The app instructed me that I needed to write “For Mobile Deposit Only” on the check before it would accept the deposit, so I followed the instructions provided by their own app. After I permanently endorsed the check that way, the app then informed me that the amount was too large for mobile deposit and rejected the check entirely. Had the app told me before making me write “For Mobile Deposit Only” on a cashier’s check that the amount exceeded my mobile deposit limit, I would have simply taken the check to my regular bank, where I have an established banking relationship, and deposited it there. Instead, following Shell FCU’s instructions essentially left me with a large cashier’s check specifically endorsed for mobile deposit that their own system would not accept. I then brought the original cashier’s check into the Shell FCU branch, explained exactly what happened, and was told the funds would be held for 7 business days. What bothered me most was the attitude that this was simply my problem, as though Shell FCU’s own app and instructions had nothing to do with creating the situation. There seemed to be very little effort to find another way to verify the legitimacy of the check or me as the account holder. I would have gladly provided additional identification, allowed them to contact the issuing financial institution, gone through additional account verification, or even authorized a credit check if that would have helped establish my identity and credibility. I understand banks and credit unions have fraud-prevention policies, particularly with large checks. What I don’t understand is an app instructing a customer to permanently endorse a check before determining whether the app can even accept the amount, and then the institution taking no ownership of the situation when that process creates a problem. Now I have to wait 7 business days for access to a cashier’s check while I have car notes and financial obligations due—all because I followed the instructions in their app. This experience has seriously changed my opinion of Shell FCU and whether I can trust them with larger transactions in the future. Customers should know about this before attempting to deposit a large check through their mobile app.
• SM

  Squirrel Mayhem

  Jul 23, 2026
  5.0
  I was looking to purchase a new vehicle when I heard an ad on the radio for auto loans from SFCU. As I had been a member of an employee FCU elsewhere, I expected SFCU to have a friendly staff, outstanding customer service, higher interest rates on deposit/demand accounts, lower loan rates, and nominal (if not zero) service fees...and I was not disappointed. And, for a bonus, it's the closest and most easily accessed brick and mortar retail bank for me!
• MS

  maria sanchez

  Jul 13, 2026
  5.0
  In my opinion, SFCU has been the best at all my banking needs. Will not go anywhere else.And the ladies there are so nice .
• TC

  Tara Clayborn

  Jul 11, 2026
  5.0
  So very friendly and helpful, even when I walked in right before closing time. They were so great! Opening a new account has never been easier!