Credit union · NCUA insured
Shell Western States FCU Savings Rates
Shell Western States FCU’s best savings rate is 1.51% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Shell Western States FCU’s savings 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
1.51%APY
- Requires
- None
- Earns on $10,000 a year
- $151
Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
Shell Western States FCU savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0001.51%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.51%
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 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.
Money Market Account
1.51%APY
Membership is open to everyone living, working, worshipping, or attending school in Contra Costa County. Federal regulations limit pre-authorized/automatic transfers or withdrawals to third parties/other accounts to 6 per month ($5 excessive transaction fee applies if exceeded). Unlimited in-person withdrawals. Rates are variable and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $50,000 | 1.51% | $151 |
| $50,000 – $100,000 | 1.76% | — |
| Over $100,000 | 2.02% | — |
Sources (4)
All captured Sep 16, 2026
Share Account (Savings)
0.05%APY
A $5 General Share Account must be opened to become a member of SWS Federal Credit Union. Dividend rates are declared by the Board of Directors each quarter based on credit union earnings. No monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.05% | $5 |
| $50,000 – $100,000 | 0.10% | — |
| Over $100,000 | 0.15% | — |
Sources (5)
All captured Sep 16, 2026
Special-purpose accounts
IRA Shares
0.20%APY
Minimum deposit to open an IRA account is $1,000. Offers Traditional and Roth IRA accounts. Dividend rate declared quarterly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
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.