Shell FCU High-Yield Savings & Money Market Rates

How Shell FCU’s savings 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
1.20%APY
Minimum
$2,500
Earns on $10,000 a year
$120
Money Market Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
Minimum
—
Earns on $10,000 a year
$513
Heritage Hub Federal Credit Union rates
2nd-highest rate
Nizari Credit Union
4.00%APY
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates

Compare savings rates near you →

Savings score

Higher than 80% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0001.20%
$100,000 balance$100,0002.00%
QualifiedQualified3.00%

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.

How the score works →

Where Shell FCU ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

High Yield eSavings

3.00%APY on $10,000Requirements apply$5 to open

High Yield eSavings is a tiered rate account available to members with an open eChecking account. One High Yield eSavings account is allowed per membership. No monthly service charge. If minimum service requirements are not met or eChecking account is closed, earn 0.05% APY on the entire balance.

Part of the balance	Rate on that part
Up to $20,000	3.00%
Over $20,000	0.05%

On $10,000 the tiers blend to about 3.00% APY, earning $300 a year.

Sources (1)

shellfcu.org/Products/Savings · captured Oct 16, 2026

Money Market Account

1.20%APY$2,500 to open

Minimum opening deposit is $2,500. Account includes unlimited deposits, up to three withdrawals per month, and up to six electronic transfers per month to a third party. Can be set up for Overdraft Protection use.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $9,999Rate type is Variable. APY rates and terms are subject to change.	1.10%	—	Rate type is Variable. APY rates and terms are subject to change.
$10,000 – $24,999Rate type is Variable. APY rates and terms are subject to change.	1.20%	$120	Rate type is Variable. APY rates and terms are subject to change.
$25,000 – $49,999Rate type is Variable. APY rates and terms are subject to change.	1.30%	—	Rate type is Variable. APY rates and terms are subject to change.
$50,000 – $99,999Rate type is Variable. APY rates and terms are subject to change.	1.60%	—	Rate type is Variable. APY rates and terms are subject to change.
$100,000 and upRate type is Variable. APY rates and terms are subject to change.	2.00%	—	Rate type is Variable. APY rates and terms are subject to change.

Sources (1)

shellfcu.org/Products/MoneyMarket · captured Oct 6, 2026

Savings

0.10%APY$5 to open

A Savings Account with a $5 initial deposit must be established to be eligible for other accounts, loans and Shell FCU benefits. This initial savings account is considered a Membership Account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upVariable rate type. Minimum balance required to receive disclosed APY.$5 and up	0.10%	$10	Variable rate type. Minimum balance required to receive disclosed APY.

Sources (1)

shellfcu.org/Products/Savings · captured Oct 16, 2026

Special-purpose accounts

Roth IRA

0.75%APYIRA$50 to open

Dividends are calculated daily and paid monthly. Early withdrawal penalties apply. Contributions are not tax deductible; qualified distributions are tax free. Non-qualified distributions may be subject to a penalty upon withdrawal.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceVariable rate type. Rate current as of 10/16/2026 and may change after opening the account.Any balance	0.75%	$75	Variable rate type. Rate current as of 10/16/2026 and may change after opening the account.

Sources (1)

shellfcu.org/Products/IRAs · captured Oct 16, 2026

Traditional IRAs

0.75%APYIRA$50 to open

Dividends are calculated daily and paid monthly. Early withdrawal penalties apply. Traditional IRAs allow contribution of 100% of compensation up to a set maximum dollar amount. Contributions may be tax deductible.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceVariable rate type. Rate current as of 10/16/2026 and may change after opening the account.Any balance	0.75%	$75	Variable rate type. Rate current as of 10/16/2026 and may change after opening the account.

Sources (1)

shellfcu.org/Products/IRAs · captured Oct 16, 2026

Christmas Club

0.50%APYClub$10 to open

A Christmas Club Account can be set up to assist in saving for holiday expenses. Includes unlimited deposits. All withdrawals made prior to November 1st of each year will incur a fee. All withdrawals must be performed at a branch or through the call center. Balance transferred to regular share account on or before November 1st.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upVariable rate type. Minimum balance required to receive disclosed APY.$10 and up	0.50%	$50	Variable rate type. Minimum balance required to receive disclosed APY.

Sources (1)

shellfcu.org/Products/Savings · captured Oct 16, 2026

iSave

0.15%APYKids and teens$25 to open

Available to ages 14 to 24 and is an incentive based savings program. Deposit at least $25 every 30 days for 12 consecutive months without withdrawals to receive a $25 bonus.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upVariable rate type. Minimum balance required to receive disclosed APY.$25 and up	0.15%	$15	Variable rate type. Minimum balance required to receive disclosed APY.

Sources (1)

shellfcu.org/Products/Savings · captured Oct 16, 2026

TUTMA (Texas Uniform Transfers to Minors Act)

0.10%APYKids and teens$5 to open

A TUTMA (Texas Uniform Transfers to Minors Act) can be established for any person under the age of 21. Uses minor child's SSN; child has no authority on account. Account should be transferred to minor once they reach age 21.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upVariable rate type. Minimum balance required to receive disclosed APY.$5 and up	0.10%	$10	Variable rate type. Minimum balance required to receive disclosed APY.