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

TermAPY*
6 Months 0.75%
12 Months1.00%
18 Months1.10%
24 Months1.30%
30 Months1.40%
36 Months1.55%
48 Months1.80%
60 Months2.05%

$25,000 Minimum Balance

TermAPY*
6 Months0.75%
12 Months1.00%
18 Months1.10%
24 Months1.30%
30 Months1.40%
36 Months1.55%
48 Months1.80%
60 Months2.05%

$50,000 Minimum Balance

TermAPY*
6 Months0.85%
12 Months1.10%
18 Months1.15%
24 Months1.35%
30 Months1.45%
36 Months1.60%
48 Months1.85%
60 Months2.10%

$100,000 Minimum Balance

Term APY*
6 Months0.85%
12 Months1.10%
18 Months1.15%
24 Months1.35%
30 Months1.45%
36 Months1.60%
48 Months1.85%
60 Months2.10%
Rates current as of 3/28/2017.

*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