Credit union · NCUA insured
Shell FCU CD Rates
Top CarrotShell FCU’s best CD rate is 3.90% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked September 25, 2026.
How Shell FCU’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Shell FCU has the most branches. $10,000, best rate first.
This credit union’s best
Shell FCU
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $186
Share Certificates
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Shell FCU CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Shell FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.75%APY · 9 terms
Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $25,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 3.00% | 3.00% | 3.15% | 3.15% | 3.00%3.00% from $25k3.15% from $50k3.15% from $100k | $74 |
| 6 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $186 |
| 12 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $375 |
| 18 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $568 |
| 24 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $764 |
| 30 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $964 |
| 36 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $1,168 |
| 48 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $1,587 |
| 60 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $2,021 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Certificate IRAs
Up to 3.75%APY · 9 terms
Combines a Share Certificate with Traditional or Roth IRA tax advantages. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $25,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 3.00% | 3.00% | 3.15% | 3.15% | 3.00%3.00% from $25k3.15% from $50k3.15% from $100k | $74 |
| 6 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $186 |
| 12 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $375 |
| 18 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $568 |
| 24 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $764 |
| 30 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $964 |
| 36 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $1,168 |
| 48 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $1,587 |
| 60 months | 3.75% | 3.75% | 3.90% | 3.90% | 3.75%3.75% from $25k3.90% from $50k3.90% from $100k | $2,021 |
Sources (1)
- shellfcu.org/Products/IRAs · captured Sep 17, 2026
Who can join Shell FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.