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Home > About Us

About Us


History & Philosophy

Credit Union Difference

Community Involvement


Press Releases



History & Philosophy


Member Service


Texell is a not-for-profit financial cooperative, founded in 1948 to serve employees of the Temple Post Office, the Temple Veterans Administration Center and the Temple Soil Conservation Service. In 1983, after expanding our membership to include Temple Public School Teachers and the City of Temple the credit union's name was changed to Temple Area Federal Credit Union. After another membership expansion to include all of Bell County, Texas the name was changed to Texell in July 2002.


Texell at a glance

  • Membership - Over 30,000 members
  • Asset Size - Over $240 million
  • Membership open to all the following areas and individuals:
    • All of Bell County, Texas
    • Williamson County, Texas within a 10-mile radius of 1011 S. IH 35, Georgetown or 651 N. Hwy 183, Leander
    • Immediate family of current members
  • Seven branch locations
  • Owned by members, not stockholders
  • Full line of products and services from home and auto loans to checking accounts
  • Federally Insured by  The National Credit Union Administration (NCUA) 




Credit Union Difference

Credit Unions are not-for-profit financial cooperatives, owned by members, governed by a volunteer board of directors elected by the membership, and staffed by financial service professionals. Members pool their savings, make loans to each other, and have access to other financial services. Excess earnings that are not used to strengthen the credit union's capital are returned to members in the form of higher rates on savings, lower rates on loans, and improved services.


Bank vs. Credit Union Difference



Banks Credit Unions
  • Income is returned to the stockholders in the form of higher dividends on their shares of stock.
  • Generate profit for stockholders. Make decisions based on what will give stockholders more profit.
  • Income driven businesses. Offer services to make a profit.
  • People who buy stock in the bank own shares of the business.
  • Serve customers from the general public. Anyone can use a bank.
  • The Board of Directors are paid a salary. A paid staff performs daily operations.
  • Only people who own stock can vote for the Board of Directors. The customers who use the bank don't have a say.
  • Income is returned to members in the form of better savings rates, lower loan rates, and low or no fees for services.
  • Not for profit organizations, make decisions based on what's best for members.
  • Financial cooperatives. Members pool their savings to provide low-cost loans and low-fee
    services to each other.
  • Each member is an equal owner.
  • Exist solely to serve their members. A person must be within the credit union's field of membership in order to join.
  • Unpaid volunteers from the membership serve on the Board of Directors and guide the credit union. A paid staff performs daily operations.
  • As owners, members elect fellow members to serve on the Board of Directors.




Community Involvement

Texell believes giving back to the community supports the credit union industry's motto of "People Helping People." Our staff and members volunteer and raise funds for:


  • Habitat for Humanity
  • Head Start
  • American Cancer Society
  • Children's Miracle Network






Texell will be closed to observe the following holidays. You can access your account 24 hours a day, 7 days a week, even on holidays with 24/7 telephone banking and e-Branch Home Banking.


New Year's Day Thursday, January 1, 2015
Martin Luther King, Jr. Day Monday, January 19, 2015
Presidents' Day Monday, February 16, 2015
Memorial Day Monday, May 25, 2015
Independence Day Saturday, July 4, 2015
Labor Day Monday, September 7, 2015
Columbus Day Monday, October 12, 2015
Veterans' Day Wednesday, November 11, 2015
Thanksgiving Day Thursday, November 26, 2015
Thanksgiving Holiday
(Temple, Belton and Killeen Branches)
Friday, November 27, 2015
Christmas Eve All Branches Close at 1:00 PM
Thursday, December 24, 2015
Christmas Day Friday, December 25, 2015






Press Releases 

March 2015


     Texell to Host Budgeting Seminar
     Texell to Host Free Shred Event 

December 2014


     Texell Financial Insurance Donates Much Needed Coats


November 2014


     Texell Financial Insurance to Donate Coats to Helping Hands Ministry of Belton


September 2014


   Texell Names Vice President of Retail Delivery

August 2014


   Texell Introduces Villain in Its Dollar Squad Kids' Club

May 2014


   Texell Financial Gives Away New Car






March 2015
February 2015
January 2015
December 2014
November 2014
October 2014
September 2014
August 2014
July 2014
June 2014
May 2014
April 2014



Annual Report


2014 Annual Report