Shell Federal Credit Union

I’m not sure what all the negative reviews are about. Shell seems fine to me. I switched to them after moving to Deer Park last year and haven’t had any issues.
There credit rates are incredible. Also, my paycheck is direct deposit and I get it a day sooner than before.
Once I had a pending charge come thru into my account before my paycheck was deposited and there was no overdraft fee. That is kind of nice considering any big banks and my last credit union would have tried to charge a fee.
They could improve their online banking and hours of operation. They seem a little stuck in the 80s but that’s a small price to pay for low rates.

Auto loan experience
First I applied for loan and was appoved for $ 22k but was having issues with trade in & credit report so I thought refinancing would be easier… WRONG
valued by them for $ 13k, so I needed another $ 2k, they would approve for that somewhere else. Now Shell always claims to help with credit full of BS. THEY ARE WORST AS THE BIG BANKS, So after 24hrs wait on an email question reply this is want I sent them…
I already called and talked with someone yesterday. She’ll FCU proclaims to help people did credit issues which is full of ****. If you will only approve refinancing auto loans for the value of the cars how is that helping anyone. One if one gets the loan at value or below they might as well trade it in. Second you offer 90 days deterred payments in that 90 days a person could pay off credit cards limiting there debt. So if you don’t put all that into consideration. Why do we deal with you and your false claims on helping people. You’re not really helping anyone at all, to me your just as bad as the big banks. I will definitely out my reviews in this bank. Now I have issues with Capital One they & my past money issues got me in the credit issue I’m in. Yet that bank granted me the car loan I’m in even if it’s at 18% apr at least that’s a chance. So how is Shell FCU helping people. Now I’m considering removing my deposit and going back to Capital One bank & I left them for you, thinking you would be better. Now I see I was completely wrong, you would even put the difference about my car value on another loan. So once again I’m like why am I banking with She’ll FCU. If you want more business you need to improve you judgement on people. Now please forward this to your managers, loan officers, etc people that make all the decisions, no wonder you cannot keep employees at your banks. If you want a bank to prosper then you have to consider the people. The good part is that at least I make all my payments on time.

The people who run this credit union-​the ones who speak English-​are the most ruthless, heartless, greedy people on the planet. For years they returned items that shouldn’t have been returned and took thousands of dollars from me. I referred all my friends and family to them prior to all this so they are still making money off me.
They refused to open an account for my black husband when he went in several times after I spoke to management and basically treated him like he was a criminal. We witnessed numerous illegal aliens open accounts who didn’t even have proper identification.
Earlier this month I was hospitalized because I was enduring a high risk pregnancy with twins and could not make a bank deposit. I spoke to Ruth (Ruthless) Jimenez in the collections department, left messages which were NEVER returned to her boss Brenda Watkins and the Collections Department Manager and explained that MY TWINS WERE BORN EARLY AND DIED! RUTH TOLD ME THAT WAS NOT HER PROBLEM AND CLOSED MY ACCOUNT! ON TOP OF DEALING WITH THE DEATH OF MY TWIN BABIES AND SELECTING A FUNERAL HOME TO DISPOSE OF THEIR REMAINS, I HAD TO DEAL WITH THIS BS! Karma can’t come around fast enough to these heartless subhumans.

Used to be a great credit union, then they got too big for there own good. Now they are simply another bank… kinda sad.