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Shell Western States Federal Credit Union

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Shell Western States Federal Credit Union Rates & Review July 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Shell Western States Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 16, 2026

You can compare Shell Western States Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.11%, 6-month share certificate rates at 3.53% and 3-month share certificate rates at 0.30%. Savings rates are at 0.25% and money market rates are at 1.55%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to Shell Western States Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Shell Western States Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.04%. Rates were last updated on 07/16/2026.

Shell 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 money market rates and 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.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.04%

Excellent Lower than avg

Shell Western States Federal Credit Union
Corporate Office

1700 Pacheco Blvd
Martinez, CA 94553 1976

https://www.swsfcu.org

Current Rate Availability

We do not have Shell Western States Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Shell Western States Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Shell Western States Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Shell Western States Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Shell Western States Federal Credit Union

Website https://www.swsfcu.org

Address 1700 Pacheco Blvd, Martinez, CA 94553 1976

Phone 925-228-4545

Fax 925-228-0770

President Michael Gonzalez

CEO MJ Bacani

Full-Time Employees 7

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.04%

Return on Assets (ROA)

-1.8993%

Return on Equity (ROE)

-18.8641%

Non-Performing Loans Ratio (NPL)

0.68%

Total 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

Number of Accounts for Regular Shares

2,561

All other shares

123

Money Market Shares

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

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Shell Western States Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Shell Western States Federal Credit Union

How many branches does Shell Western States Federal Credit Union operate?

Shell Western States Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is 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. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Shell Western States Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Shell Western States Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

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. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.swsfcu.org.