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.
- No minimum service charge
- No minimum balance required
- No per check charge
- Seniors (age 60 and older) receive one free box of checks per year
- Free Home Banking Access
- Free E-Statements
- Free Bill Pay if you are signed up for E-statements or direct deposit
- Free Audio response access
- Visa Debit Card*
*Certain restrictions apply.
Money Market Accounts
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.
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.
Vacation and Christmas Clubs
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.
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.
Click here for current rates.
Individual Retirement Accounts (IRAs)
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.
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.