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Attention Valued Shell FCU Members!

Shell FCU members falling victim to Digital Banking compromises. Fraudsters are calling and texting members while spoofing our official (713) 844-1100 phone number. Do not respond to these texts or calls. Delete the text or hang up immediately. NEVER share your Digital Banking credentials and avoid disclosing personal information with unsolicited callers or texters claiming to be Shell FCU. We will never do this. If in doubt, call Shell FCU at (713) 844-1100. If YOU call us first the number cannot be spoofed, and you know you will be talking to a Shell FCU employee.

Business Share Certificates

Shell FCU offers several Business Share Certificate account options for your business that earn a guarantee return on your investment. By choosing the term and fixed rate of your choice, your Business Share Certificate will earn a higher yield than your average Savings account.

  • Dividends are calculated daily and paid monthly
  • Early withdrawal penalties apply

Shell FCU accounts are insured up to $250,000 by the National Credit Union Administration, or NCUA. The NCUA is an independent agency of the United States Government. It regulates, charters and insures the nation’s federal credit unions.


Interested in a Shell FCU Business Share Certificate?

Request to be contacted by a Shell FCU Representative or visit any Shell FCU branch.

$500 Minimum Balance

Term APY*
3 Months 2.75%
6 Months 3.75%
12 Months 3.50%
18 Months 3.25%
24 Months 3.00%
30 Months 3.00%
36 Months 3.00%
48 Months 3.00%
60 Months 3.00%

$25,000 Minimum Balance

Term APY*
3 Months 2.75%
6 Months 3.75%
12 Months 3.50%
18 Months 3.25%
24 Months 3.00%
30 Months 3.00%
36 Months 3.00%
48 Months 3.00%
60 Months 3.00%

$50,000 Minimum Balance

Term APY*
3 Months 2.90%
6 Months 3.90%
12 Months 3.65%
18 Months 3.40%
24 Months 3.15%
30 Months 3.15%
36 Months 3.15%
48 Months 3.15%
60 Months 3.15%

$100,000 Minimum Balance

Term APY*
3 Months 2.90%
6 Months 3.90%
12 Months 3.65%
18 Months 3.40%
24 Months 3.15%
30 Months 3.15%
36 Months 3.15%
48 Months 3.15%
60 Months 3.15%

Rates current as of 12/04/2024.

*APY denotes Annual Percentage Yield. The APY rates and terms and conditions are subject to change. A minimum deposit of $500 is required to open a Business Share Certificate. Fees could reduce earnings on accounts. A penalty for early withdrawal prior to maturity may apply. Contact Shell FCU for additional product details including earned dividend information, minimum deposit and balance requirements to earn the stated APY, and other important account terms and conditions. Dividend rates and Annual Percentage Yields are current as of the last dividend declaration date.