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⚠️ FRAUD ALERT: Protect Your Account! ⚠️

Scammers are impersonating Shell FCU employees, using different phone numbers or spoofing our official number (713) 844-1100 to steal personal information. They may call or text asking for your SSN, DOB, passwords, or Digital Banking details—DO NOT SHARE! Hang up or delete the message immediately. Shell FCU will NEVER ask for your credentials. If in doubt, call us directly at (713) 844-1100. Remember: If YOU call us first, the number can't be spoofed! Stay vigilant.

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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*
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 04/18/2025.

*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 Certificate Account. 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.

This calculator is intended for non-commercial, educational purposes only, and is not proprietary to Shell FCU. Shell FCU does not guarantee the accuracy of this calculator and calculations are based on the information you provide. The calculator is intended to calculate compounding interest only. Results are estimates and may not reflect your actual experience. Rates and terms are subject to change. Please seek personalized advice from qualified professionals regarding all personal finance issues.