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Shell Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.shellfcu.org
713-844-1100
301 E 13th St
Deer Park, TX 77536

Shell Federal Credit Union is headquartered in Deer Park and is the 19th largest credit union in the state of Texas. It is also the 269th largest credit union in the nation. It was established in 1937 and as of December of 2024, it had grown to 474 employees and 154,029 members at 14 locations. Shell Federal Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Shell Federal Credit Union is open to those who live, work, worship, attend school, or regularly conducts business in Harris County, Texas.
See current membership details

Reviews

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #1941
Year Chartered1937
Employees474
Primary Regulator
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD10.35%
Annual Interest Income$121MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.81B$1.83B
LoansQ4 2024vs Q4 2023$1.43B$1.45B
DepositsQ4 2024vs Q4 2023$1.53B$1.58B
Equity CapitalQ4 2024vs Q4 2023$227.9MM$200MM
Loan Loss AllowanceQ4 2024vs Q4 2023$13.1MM$12.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$13MM$13.7MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Shell Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$10k*$20kHigh Yield eSavings
OTHER TIERS: 0.05% → $20k+ | 2.00% → $0 - $10k
0.50%$10-Christmas Club
0.15%$25-iSave Account
0.10%$5-Savings Account
0.10%$5-TUTMA Savings
0.10%$10-Business Savings
0.10%$10-Business Membership Savings

Shell Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$50k*-Money Market
OTHER TIERS: 1.25% → $2.5k - $10k | 1.35% → $10k - $25k | 1.45% → $25k - $50k
1.75%*$50k*-Business Money Market
OTHER TIERS: 1.25% → $2.5k - $10k | 1.35% → $10k - $25k | 1.45% → $25k - $50k

Shell Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0$20keChecking- 40+ Debit Card Transactions
2.50%*$0$20keChecking- 30-39 Debit Card Transactions
OTHER TIERS: 0.05% → $20k+
2.00%*$0$20keChecking- 20-29 Debit Card Transactions
OTHER TIERS: 0.05% → $20k+
0.05%$2k-Checking
0.05%$10k-Business Premier Checking
0.05%$2k-JumpStart Checking

Shell Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%*$50k*-6 Month Share Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-12 Month Share Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-18 Month Share Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-60 Month Share Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-Business 6 Month Share Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-Business 12 Month Share Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-Business 18 Month Share Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-Business 60 Month Share Certificate
OTHER TIERS: 4.00% → $500 - $50k
3.90%*$50k*-24 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-30 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-36 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-48 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-Business 24 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-Business 30 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-Business 36 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-Business 48 Month Share Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.40%*$50k*-3 Month Share Certificate
OTHER TIERS: 3.25% → $500 - $50k
3.40%*$50k*-Business 3 Month Share Certificate
OTHER TIERS: 3.25% → $500 - $50k

Shell Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%*$50k*-6 Month IRA Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-12 Month IRA Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-18 Month IRA Certificate
OTHER TIERS: 4.00% → $500 - $50k
4.15%*$50k*-60 Month IRA Certificate
OTHER TIERS: 4.00% → $500 - $50k
3.90%*$50k*-24 Month IRA Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-30 Month IRA Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-36 Month IRA Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.90%*$50k*-48 Month IRA Certificate
OTHER TIERS: 3.75% → $500 - $50k
3.40%*$50k*-3 Month IRA Certificate
OTHER TIERS: 3.25% → $500 - $50k
0.75%$0-Traditional IRA Savings
0.75%$0-Roth IRA Savings
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