Shell FCU | Share Certificates

Important Notice

We are currently experiencing higher than normal wait times through all communication channels – including telephone, email, branch and drive thru. Following the CDC’s COVID-19 guidelines to protect the staff and membership, we are social distancing and quarantining when recommended. The lobbies are open, however we encourage the use of the drive thru. Online Banking and the Mobile Banking App are available 24/7 for convenient account access. Please know we are working diligently to provide each member with the exceptional service they deserve. Thank you for the opportunity to serve you!

Share Certificates

Put your money to work. Whether you are looking for short term or long term solutions, Shell FCU has Share Certificate options for you. With a Share Certificate, you get fixed rates and a fixed rate account that combines a guaranteed rate of return — all with the security of a federally insured 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 Share Certificate?

Request to be contacted by a Shell FCU Representative.

$500 Minimum Balance

Term APY*
6 Months 0.60%
12 Months 0.90%
18 Months 0.95%
24 Months 1.00%
30 Months 1.05%
36 Months 1.20%
48 Months 1.30%
60 Months 1.40%

$25,000 Minimum Balance

Term APY*
6 Months 0.60%
12 Months 0.90%
18 Months 0.95%
24 Months 1.00%
30 Months 1.05%
36 Months 1.20%
48 Months 1.30%
60 Months 1.40%

$50,000 Minimum Balance

Term APY*
6 Months 0.65%
12 Months 0.95%
18 Months 1.00%
24 Months 1.05%
30 Months 1.10%
36 Months 1.25%
48 Months 1.35%
60 Months 1.45%

$100,000 Minimum Balance

Term APY*
6 Months 0.65%
12 Months 0.95%
18 Months 1.00%
24 Months 1.05%
30 Months 1.10%
36 Months 1.25%
48 Months 1.35%
60 Months 1.45%
Rates current as of 7/12/2020.

APY denotes Annual Percentage Yield. The APY rates and terms and conditions are subject to change. A minimum opening deposit of $500 is required to open a Certificate Account.  For more information on minimum deposit requirements and minimum balance requirements to earn the advertised APY, please refer to Shell FCU’s Truth-in-Savings Disclosure for details. A penalty for early withdrawal prior to maturity may apply.


Truth-in-Savings Disclosure