Credit union · NCUA insured
Chemcel FCU
A $183.6M credit union headquartered in Bishop, TX, with 9,394 members and 5 branches in Texas. Best rates: CDs 4.02% and savings 0.40% APY.
Chemcel FCU Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#7 of 21 in Corpus Christi, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Chemcel FCU
Chemcel Federal Credit Union has been serving the families of Celanese employees since 1951.
The credit union later expanded services to Celanese site contractors and now operates branch locations in Alice, Bay City, Bishop, Corpus Christi, Pasadena, and Kingsville, Texas.
- Headquarters
- 5740 County Road 4, Bishop, TX 78343
- NCUA charter
- 7129
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, conduct business, worship, or attend school in Jim Wells, Kleberg, or Nueces County, Texas, as well as businesses and other legal entities there, are eligible for membership.
Employers and groups
- Employees of Celanese Corporation working in or supervised from the Bishop plant, Clear Lake plant, Bay City plant, or Dallas office are eligible for membership.
- Retirees of Celanese Corporation's Bishop plant, Clear Lake plant, Bay City plant, or Dallas office are eligible for membership.
Family and household
- Immediate family members of a current Chemcel Federal Credit Union member are eligible for membership.
Branches
5 branches in Texas
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Texas
5 branches
Corpus Christi area · 2
- Bishop OfficeMain office5740 County Road 4, Bishop, TX 78343Directions
- Corpus Christi Office7001 Saratoga Blvd, Corpus Christi, TX 78414Directions
Alice area · 1
- Alice Office2740 East Main Street, Alice, TX 78332Directions
Kingsville area · 1
- Kingsville Office1901 S US Highway 77 Byp, Kingsville, TX 78363Directions
Houston area · 1
- Pasadena Office9502 Bayport Blvd, Pasadena, TX 77507Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.11% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.75% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.80% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $64 | $76 | — |
- CapitalNet worth ratio12.11%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.75%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$64Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Chemcel FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.