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Fraud Alert

Scammers are pretending to be Shell FCU and may contact you by phone or text from unfamiliar numbers or even spoof our main number (713) 844-1100. For your protection, never share personal details such as your Social Security Number, Date of Birth, passwords, login credentials, or card numbers. If something seems suspicious, hang up or delete the message and call Shell FCU directly at (713) 844-1100. Your safety and security are our top priority. Thank you for the opportunity to serve you!

Business Share Certificates

Shell FCU offers several Business Share Certificate account options for your business that earn a guarantee return on your investment. By choosing the term and fixed rate of your choice, your Business Share Certificate will earn a higher yield than your average Savings account.

  • Dividends are calculated daily and paid monthly
  • Early withdrawal penalties apply

Shell FCU accounts are insured up to $250,000 by the National Credit Union Administration, or NCUA. The NCUA is an independent agency of the United States Government. It regulates, charters and insures the nation’s federal credit unions.


Interested in a Shell FCU Business Share Certificate?

Request to be contacted by a Shell FCU Representative or visit any Shell FCU branch.

$500 Minimum Balance

Term APY*
3 Months 3.25%
6 Months 4.00%
12 Months 4.00%
18 Months 4.00%
24 Months 3.75%
30 Months 3.75%
36 Months 3.75%
48 Months 3.75%
60 Months 4.00%

$25,000 Minimum Balance

Term APY*
3 Months 3.25%
6 Months 4.00%
12 Months 4.00%
18 Months 4.00%
24 Months 3.75%
30 Months 3.75%
36 Months 3.75%
48 Months 3.75%
60 Months 4.00%

$50,000 Minimum Balance

Term APY*
3 Months 3.40%
6 Months 4.15%
12 Months 4.15%
18 Months 4.15%
24 Months 3.90%
30 Months 3.90%
36 Months 3.90%
48 Months 3.90%
60 Months 4.15%

$100,000 Minimum Balance

Term APY*
3 Months 3.40%
6 Months 4.15%
12 Months 4.15%
18 Months 4.15%
24 Months 3.90%
30 Months 3.90%
36 Months 3.90%
48 Months 3.90%
60 Months 4.15%

Rates current as of 09/30/2025.

*APY denotes Annual Percentage Yield. The APY rates and terms and conditions are subject to change. A minimum deposit of $500 is required to open a Business Share Certificate. Fees could reduce earnings on accounts. A penalty for early withdrawal prior to maturity may apply. Contact Shell FCU for additional product details including earned dividend information, minimum deposit and balance requirements to earn the stated APY, and other important account terms and conditions. Dividend rates and Annual Percentage Yields are current as of the last dividend declaration date.