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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 $200 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 Wednesday, January 1, 2014
Martin Luther King, Jr. Day Monday, January 20, 2014
Presidents' Day Monday, February 17, 2014
Memorial Day Monday, May 26, 2014
Independence Day Friday, July 4, 2014
Labor Day Monday, September 1, 2014
Columbus Day Monday, October 13, 2014
Veterans' Day Tuesday, November 11, 2014
Thanksgiving Day Thursday, November 27, 2014
Thanksgiving Holiday
(Temple, Belton and Killeen Branches)
Friday, November 28, 2014
Christmas Eve All Branches Close at 1:00 PM
Wednesday, December 24, 2014
Christmas Day Thursday, December 25, 2014






Press Releases 

March 2014



   Texell Named Best Credit Union
Texell to Host Free Shred Event


January 2014


    Texell Credit Union Names Vice President of Retail Delivery


November 2013

   Texell Financial Issues First Insurance Policies
   Texell Credit Union Introduces Insurance Services   
   Texell Honored with Two National Lending Awards

October 2013

   Texell to Host Free Credit Seminar
   Texell to Host Free Shred Event


September 2013

   Texell Named Best Credit Union
   Texell Credit Union Names General Counsel 

July 2013

   Texell Credit Union Awarded Highest Rating from Bauer Financial


June 2013

    Texell Exceeds 30,000 Members  


May 2013


    Texell’s Coloring Book Supports Children’s Miracle Network








April 2014
March 2014
February 2014
January 2014
December 2013
November 2013
October 2013
September 2013
August 2013
July 2013
June 2013
May 2013
April 2013
March 2013


Annual Report


2013 Annual Report