Credit union · NCUA insured
Shell Western States FCU CD Rates
Shell Western States FCU’s best CD rate is 2.63% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Shell Western States FCU’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Shell Western States FCU has the most branches. $10,000, best rate first.
This credit union’s best
Shell Western States FCU
2.63%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $263
Share Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Shell Western States FCU CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo2.03%
- 9–15 months9–15 mo2.63%
- 16–30 months16–30 mo2.54%
- 31–60 months31–60 mo2.17%
- QualifiedQualified2.63%
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 Western States 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 2.63%APY · 7 terms
Minimum deposit of $1,000. Certificates are insured up to $250,000 by the National Credit Union Administration. Rates effective as of January 1, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.03% | $101 |
| 12 months | 2.63% | $263 |
| 18 months | 2.54% | $383 |
| 24 months | 2.38% | $482 |
| 36 months | 2.17% | $665 |
| 48 months | 2.07% | $854 |
| 60 months | 0.00% | $0 |
Sources (5)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificates
Up to 2.12%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.52% | $76 |
| 12 months | 2.12% | $212 |
| 18 months | 2.02% | $305 |
| 24 months | 1.87% | $377 |
| 36 months | 1.66% | $506 |
| 48 months | 1.56% | $639 |
| 60 months | 1.46% | $752 |
Sources (4)
All captured Sep 16, 2026
Who can join Shell Western States FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Contra Costa County are eligible for membership.
Family and household
- Individuals who have an immediate family member with an active account with SWSFCU are eligible for membership.
Membership information collected October 5, 2026.