Texell Credit Union

I wish I could give 0 stars.

I was a valued customer for many years with three different auto loans in total.

Once I started looking into my financial statements further with Texell, I realized they were charging me outrageous amounts for "insurance". I canceled all the extra add-ons, and they increased my interest rate on my auto loans. I was frustrated, but there was nothing I could do.

The final straw was when I had an emergency, and I forgot to pay one of my auto loans by 2 days. The customer service representative demanded to know why I was "delinquent". I do not feel 2 days late warrants all of that.

So I began the process of refinancing to a different credit union and asked about a GAP refund. Apparently, Texell pockets that amount too.

They may seem nice upfront, but they take from you every chance they get.

I have one more auto loan with them, and I am going to move that very soon as well.

Beware of Texell.

Texell management altered my account number for their own business purposes, without fully including me, the customer, in the process of transition, nor did they protect my financial interests as a long-time customer. This ultimately ruined my ability to cash checks, and they did not resolve the mess they created for me financially. I can no longer use checks anywhere with any bank.

P.S.
I contacted the leadership multiple times to have this situation corrected or reversed, so that I could use checks again with businesses. I was led to believe that it was fixed when it was not. My name has apparently been red-flagged within all the check-scanning/reading-controlled companies (electronically) that most businesses use. I can no longer use checks, period, from any bank, thanks to Texell in Temple, TX. I did not have check usage problems until Texell management altered my account number for their own purposes and failed to protect my interests as a long-time member (at the time).

They are the worst bank I've ever been with! They commit illegal, unaccountable actions with your account, taking out money for whatever reason they choose, and have all the excuses to "try" to back up their illegal actions. I hope everyone involved in what they did to me receives the proper federal sentence after I take them to court! Wrong is wrong, and the manager, Patrick, is unprofessional and disorganized and really doesn't care about the customers. He can't admit or accept being wrong. Ugh, please beware. They withdraw unauthorized funds and come up with unnecessary fees for things that don't add up or make sense and are not included in the terms and conditions of their policy. Please heed what I'm saying. I can prove it all.

Stay away and I mean FAR away from their overdraft product. They will reorder transactions to maximize fees-even if you had the money in the account at time of transaction- and you’ll stay in purgatory.

I have not had a single nice or courteous experience with with any employee. It’s really not that hard to be nice, so I don’t know what their problem is. I will be closing my account with them.

I had been a customer in the past (1990s), returned to the area this past summer after 17 years to find Texell now below par. I was in on 1/11/21 to deposit a substantial check into my savings and the "kid" (Tlr: 1789) that waited on me at the Lake Rd. Belton location was more than rude. Telling me to remove my hat while I was at the window, instead of kindly asking. There was no signage on the front door or in the lobby to address their desire for customers to not wear a hat while in the lobby. I understand the purpose, but it's the mannerism displayed. Maybe some training needs to be implemented. I asked him what if I had a mask on? He told me, "We would ask you to put it down to verify". I thought, "Verify what?" What bulls**t!
Needless to say, this p*ssed me off...
Next day, I moved most all of my savings account from Texell to an Edwards Jones account I have for safe keeping!!! They are much more professional.
After reading some of the reviews on here, it's a shame that Texell, once a great credit union back in the day, seems to be no more...

Appalling!! Fraud was committed on my credit card account while I am physically residing in another state. First, they allowed the transaction to go through BEFORE they notified me via text then after I filed a claim to have the stolen funds refunded, they said my claim was invalid. I’m still trying to figure out how I could be physically at a kiosk withdrawing money from my credit card in one state while I am also physically in a completely different state. I will not be activating any more cards from Texell - I will pay off this card, obviously including the money that was stolen and I will never use this card again!!!

this is worse credit union ever! do not get any loans with them
they will offer you low interest then raise it next month!
then they will offer you for $30 to skip a payment one month and when you go to pay your next payment they will take all this money as interest rate because for every day you don't pay is $7.5 interest daily rate

now they tricking you that they giving you skip a payment when in reality they charging you $30 and $7.5 daily interest rate

now thats just one scam thing they will also sell you extended warranty without asking you anything on your car and you wouldn't even know it!! happens to me twice

another thing they will do even when you go to pay off your loan cash money they will hold your title for 7-14 days without giving it to you!!

the list of reasons why not to use this credit union goes on!

I have been a member of Texell Credit Union for just over a year. They have been a great place for me to do my business. I was able to finance a loan at a great rate, and they have several branches for easy access to the services I need.

Texell is NOT a federal credit union, thus is not fed insured and not subject to the openness laws. For all but one meeting a year the board meeting and minutes are in secret. Tried to bring up an issue with the staff but just got the run-around.

Worst credit union ever !!!!!! I did an inquiring at thier ATM THEY CHARGED ME 50 CENTS. Their atm kept going in a loop so i had to do an inquiry..has my check post same day. They posted the debit first and charged me 29.50 fee...this place is so dishonest...i also have a UFCU accoun, they are awesome !!! DON'T EVER bank with this credit union they don't know anything about customer service just very greedy

Don't kid your self about Texell being in a partnership with you and your money. I've been a credit union member for 35 years. On the rare occassion that my account has found itself in a shortage, my other credit union has reached out via mail, email or email to notify me and absolutely sent me a copy of any checks posted as NSF. Fees were imposed but there was notice given. THIS DOES NOT HAPPEN AT TEXELL - no notice, no letter, no contact but they will deduct $29.50 for every transaction presented. This happened over a 6 week time frame. I did request a consideration for some of the charges and it was denied.

Their auto loan rates are misleading. With every other bank/CU I have used, the rate is listed "As low as" which generally means the low rate depends on your credit. With TCU, the "As low as" depends on your credit and whether you are willing to purchase their additional services.

I qualified for the lowest rate, but only if I purchased Payment insurance, GAP coverage, and Extended Warranty. These 3 things lowered my rate by 1%. I find this terribly misleading. I don't need payment insurance. I may not need extended warranty if I plan to only keep the car while it has a factory warranty.

My rate should not depend on whether I am willing to purchase additional services.

I have been a customer of Texell for a few years now and I have nothing but good things to say. I have had a checking and savings account during this time. I have never had any complaints and when a problem arises (which has only been once), it was justified and fixed very quickly. The application process is quick and everything was explained to me very clearly. The fees are low and I haven't had any surprise fees.

I was approved for a holiday loan last year with no penalty for early payoff. I was able to get Christmas presents and make payments that were affordable for me. I did apply for an auto loan a few weeks ago and was denied, but the loan adviser was very helpful and shared information about the secured credit card they offer to help boost my credit.

My experience with Texell has been nothing short of excellent. I joined the credit union when I was living in Killeen, TX and stayed with them when I moved to Round Rock, TX. They had opened a branch in Georgetown, TX at that time. Now I'm in Austin, TX. I will continue to bank with Texell no matter where I move!