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Products & Services
Products & Services

NEW - Remote Deposit Capture

Remote Deposit Capture allows members to deposit checks into their accounts using a smartphone. Simply capture a clear image of the check you want to deposit, select which account you want to receive the funds, and fill in the necessary information to process. The benefits of this new service include:

Click here for more information.


Savings and Checking Accounts

Share Savings Account

Join Shell Community FCU by simply opening a savings account with a minimum $5 deposit. Savings accounts offer competitive rates that are compounded and paid monthly. Deposits can be made by payroll deduction, direct deposit, ATMs, night depository, mail and in person. For absolute safety, your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. Accounts over $250,000 receive additional coverage of $250,000 from Excess Share Insurance, a private insurer. IRA and KEOGH accounts are insured separately up to $250,000.

Click here to join.

Checking Account

Our basic checking account is a great way to manage your finances and includes the following:

*Certain restrictions apply.

Money Market Accounts

Money Market

Open a Money Market Share Account with just $1000 and earn high dividends plus protection of being federally insured. For special flexibility, this account allows withdrawals, deposits and check-writing privileges. Dividends are compounded and paid monthly.

Money Market Plus

For members that like the flexibility of a money market account, but want to earn higher dividends on higher balances, the Money Market Plus is the product for you. Accounts can be opened with just $2,500.

Click here for current rates.

Vacation and Christmas Clubs

Vacation Club

Want to make sure you have money on hand for your vacation? This special savings plan offers a competitive rate of return. In addition, deposits can be made at any time and you can make up to two withdrawals per year. Dividends are compounded and paid monthly.

Christmas Club

This special savings plan makes it easy for you to set aside extra money for holiday expenses. You'll earn the same rate as your regular savings. There's no minimum for opening the account or making subsequent deposits. Funds are automatically credited to your savings account on the last day of October.

Share Certificates (CDs)

Our Share Certificates allow you to secure a high rate of return for a set period of time. Choose a fixed rate with terms ranging from 91 days to 60 months and minimum deposits of $500 or $1,000.

Click here for current rates.

Individual Retirement Accounts (IRAs)

IRA Certificates: Traditional, Roth or Educational

IRAs help you to save now for your retirement years. Shell Community FCU offers certificates with competitive fixed rates and terms that range from 12-months to 60-months. The minimum balance for an IRA Certificate is $500.00.

IRA Savings Account

If you would like to open an IRA, but cannot meet the $500.00 minimum for a certificate, or just want to keep your money accessible, an IRA Savings Account could meet your needs. There is no minimum balance requirement and deposits made can be as low as $5.00 (up to your contribution limit). Once you accumulate $500.00, you can transfer your funds into an IRA Certificate to earn even a higher rate of return.

Click here for current rates.

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