# Shell Federal Credit Union CD and share certificate rates

As of October 22, 2026, Shell Federal Credit Union's highest tracked CD (share certificate) rate is 3.90% APY on a 6-month CD ($50,000 minimum). That is 2.8 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.00% to 3.90% APY.

Canonical page: https://apyledger.com/cd-rates/shell-federal-credit-union
Institution: Shell Federal Credit Union (NCUA 1941)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:03.000Z (October 22, 2026)
Official source: https://www.shellfcu.org/Products/ShareCertificates
Coverage: Membership required. Share certificates from 3 to 60 months with separate APYs for $500, $25,000 and higher minimum balances. Dividends are paid monthly; early withdrawal penalties apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $50,000 | 3.15% | Not ZIP-priced | −1.15% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 3 months | $100,000 | 3.15% | Not ZIP-priced | −1.15% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 3 months | $500 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 3 months | $25,000 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 6 months | $50,000 | 3.90% | Not ZIP-priced | −0.50% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 6 months | $100,000 | 3.90% | Not ZIP-priced | −0.50% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 6 months | $25,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 12 months | $50,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 12 months | $100,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 12 months | $500 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 12 months | $25,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 18 months | $50,000 | 3.90% | Not ZIP-priced | −0.82% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 18 months | $100,000 | 3.90% | Not ZIP-priced | −0.82% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 18 months | $500 | 3.75% | Not ZIP-priced | −0.97% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 18 months | $25,000 | 3.75% | Not ZIP-priced | −0.97% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 24 months | $50,000 | 3.90% | Not ZIP-priced | −0.97% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 24 months | $100,000 | 3.90% | Not ZIP-priced | −0.97% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 24 months | $25,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 30 months | $50,000 | 3.90% | Not ZIP-priced | −1.01% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 30 months | $100,000 | 3.90% | Not ZIP-priced | −1.01% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 30 months | $500 | 3.75% | Not ZIP-priced | −1.16% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 30 months | $25,000 | 3.75% | Not ZIP-priced | −1.16% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 36 months | $50,000 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 36 months | $100,000 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 36 months | $25,000 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 48 months | $50,000 | 3.90% | Not ZIP-priced | −1.08% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 48 months | $100,000 | 3.90% | Not ZIP-priced | −1.08% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 48 months | $500 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 48 months | $25,000 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 60 months | $50,000 | 3.90% | Not ZIP-priced | −1.11% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 60 months | $100,000 | 3.90% | Not ZIP-priced | −1.11% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 60 months | $500 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |
| Share Certificate | standard | 60 months | $25,000 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T16:25:03.000Z | [Snapshot 401](https://apyledger.com/snapshots/401) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.