Shell Western States Federal Credit Union Rates and Review January 2026
Compare Shell Western States Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Shell Western States Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityShell Western States Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Shell Western States Federal Credit Union? Share your experience about Shell Western States Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Shell Western States Federal Credit Union. Overall, Shell Western States Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Shell Western States Federal Credit Union Corporate Office 1700 Pacheco Blvd Martinez, CA 94553 1976  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonBusiness Select Credit Card Mastercard
18.000%
Visa Business Rewards Card
15.240%
SILICON SLOPES SIGNATURE VISA
18.000%
Unlimited 1% Cash Back .5% Donation Signature Card
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
10.500%
$0 - $5,000
24 - 36
Personal Line of Credit
11.500% - 18.000%
$0 - $5,000
Personal Loans
11.990%
$0
1 - 12
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Shell Western States Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Shell Western States Federal Credit Union
Website: https://www.swsfcu.org
Full Time Employees: 7Part Time Employees: 2 President: Michael Gonzalez CEO: MJ Bacani Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
1700 Pacheco Blvd
Martinez, CA 94553 1976 Phone Number: 925-228-4545 Fax Number: 925-228-0770 FinancialsTotal Assets:
73,378,628
Total Amount of Shares and Deposits:
65,099,522
Total Shares and Deposits < 1 Year:
63,435,913
Total Shares and Deposits 1 3 Years:
1,461,949
Total Shares and Deposits > 3 Years:
201,660
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
8,004,372
Total Uninsured Shares and Deposits > $250K (F+J):
8,004,372
Total Insured Shares and Deposits > $250K (item 17 less item K):
57,095,150
Total Interest Expense (Sum of items 6 8):
807,129
Share Certificates:
288
Number of Accounts for Share Drafts:
1,037
IRA KEOGH Accounts:
79
Number of Accounts for Regular Shares:
2,561
All other shares:
123
Money Market Shares:
88
Net Income (unless the amount is already included in Undivided Earnings):
-1,393,705
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
20,558,321
Total Liabilities:
65,942,773
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Shell Western States Federal Credit UnionIs a member application needed to join Shell Western States Federal Credit Union?Yes, to access services at Shell Western States Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Shell Western States Federal Credit Union provides a range of mortgage and home equity products. Is Shell Western States Federal Credit Union a safe place to deposit money?Yes, Shell Western States Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Shell Western States Federal Credit Union offer online and mobile banking?Most modern institutions like Shell Western States Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.15%, 6-month CD rates at 1.15% and 3-month CD rates at 3.80%. Savings rates are at 0.10% and money market rates are at 1.55%. Mortgage rates on 30-year fixed loans are around 6.01%. Credit Card rates are at 18.00%. Personal Loan rates are at 16.25%. All these rates, and more, can be found in our database of rates which you can compare to 
