--- title: "Shell Western States Credit Union Rates (Nov 2026): CDs to 2.10%" description: "Shell Western States Credit Union rates today: savings & CDs up to 2.10% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Shell Western States Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/shell-western-states" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Shell Western States Credit Union Rates (Nov 2026): CDs to 2.10% ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 4.000% | 72 mo · used | Standard | | **Auto Loan** auto | — APR | 4.000% | — | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 4.000% | 84 mo · new | Standard | | **84-Month New Boat Loan** boat_new_84mo | — APR | 5.000% | 84 mo · new | Standard | | **60-Month New Motorcycle Loan** motorcycle_new_60mo | — APR | 5.000% | 60 mo · new | Standard | | **60-Month Used Boat Loan** boat_used_60mo | — APR | 5.000% | 60 mo · used | Standard | | **60-Month Used Motorcycle Loan** motorcycle_used_60mo | — APR | 5.000% | 60 mo · used | Standard | | **84-Month New RV Loan** rv_new_84mo | — APR | 6.000% | 84 mo · new | Standard | | **84-Month Used RV Loan** rv_used_84mo | — APR | 6.000% | 84 mo · used | Standard | Shell Western States Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 7.000% | — | Standard | | **12-Month Signature Loan** personal_unsecured_12mo | — APR | 7.000% | 12 mo | Standard | | **Signature Loan** personal_unsecured | — APR | 8.000% | — | Standard | | **Credit Builder Loan** personal | — APR | 8.900% | — | Context only | Shell Western States Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 7.900% | — | Standard | | **Gold** credit_card | — APR | 9.900% | — | Context only | | **Classic** credit_card | — APR | 10.920% | — | Context only | Shell Western States Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 43 offers | Product | Published | Rate | Term / condition | Status | | **Savings ($25–$50,000)** savings | 0.05% APY | 0.05% | — | Standard | | **Savings** savings | — APY | 0.05% | — | Standard | | **Savings ($50,000.01–$100,000)** savings | 0.10% APY | 0.10% | — | Standard | | **Savings ($100,000+)** savings | 0.15% APY | 0.15% | — | Standard | | **IRA** ira | 0.20% APY | 0.20% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 1.45% | 60 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 1.45% | 60 mo | Standard | | **60-Month IRA** ira | — APY | 1.45% | 60 mo | Standard | | **MMD $500 Up to $50,000** savings | — APY | 1.50% | — | Standard | | **6-Month IRA** ira | — APY | 1.50% | 6 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 1.50% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 1.50% | 6 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 1.55% | 48 mo | Standard | | **48-Month IRA** ira | — APY | 1.55% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 1.55% | 48 mo | Standard | | **36-Month IRA** ira | — APY | 1.65% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 1.65% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 1.65% | 36 mo | Standard | | **MMD $50,000.01 - $100,000** savings | — APY | 1.75% | — | Standard | | **24-Month Certificate** cd_24mo | — APY | 1.85% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 1.85% | 24 mo | Standard | | **24-Month IRA** ira | — APY | 1.85% | 24 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 2.00% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 2.00% | 18 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.00% | 6 mo | Standard | | **18-Month IRA** ira | — APY | 2.00% | 18 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 2.00% | 18 mo | Standard | | **MMD Over $100,000** savings | — APY | 2.00% | — | Standard | | **Certificate** share_certificate | — APY | 2.00% | — | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 2.05% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 2.05% | 48 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 2.10% | 12 mo | Standard | | **12-Month IRA** ira | — APY | 2.10% | 12 mo | Standard | | **IRA Certificate** ira_cd | 2.10% APY | 1.50% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.10% | 12 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 2.15% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.15% | 36 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.35% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.35% | 24 mo | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 2.50% | 18 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 2.50% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.60% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 2.60% | 12 mo | Standard | Shell Western States Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Platinum** other | — % | 7.900% | — | Context only | Shell Western States Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 2.10% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/shell-western-states) , verified from [Shell Western States Credit Union's official website](https://swsfcu.org/) Loading branch locator… ## About Shell Western States Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.2K Assets $69.3M Founded 1947 Locations reported 1 NCUA charter 5484 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**1st Northern California** Muir Station · Martinez · CA · 94553 About 2.3 miles away](https://rateapi.dev/credit-unions/california/1st-northern-california) [**Nuvision** Martinez Branch · Martinez · CA · 94553-1126 About 3.0 miles away](https://rateapi.dev/credit-unions/california/nuvision) [**Mckesson & Healthcare Providers** McKesson And Healthcare Providers Federal Credit Union · Martinez · CA · 94553-4110 About 3.5 miles away](https://rateapi.dev/credit-unions/california/mckesson-healthcare-providers) [**Travis** Veranda Branch · Concord · CA · 94520 About 5.4 miles away](https://rateapi.dev/credit-unions/california/travis) [**Pacific Service** Pleasant Hill · Pleasant Hill · CA · 94523-3061 About 5.5 miles away](https://rateapi.dev/credit-unions/california/pacific-service) [**Patelco** CONCORD · Concord · CA · 94520 About 5.8 miles away](https://rateapi.dev/credit-unions/california/patelco) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Shell Western States Credit Union Membership eligibility from Shell Western States Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Shell Western States Credit Union's website. Check the membership page below to confirm whether you qualify. - Location contra costa — CA Verified from [Shell Western States Credit Union's membership page](https://swsfcu.org/join-us-today) . Final membership determination is always made by the credit union. ## Membership rules for Shell Western States Credit Union Geography 1 county · Family 2 6 published paths to membership, last verified August 27, 2026, quoted from Shell Western States Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Contra Costa County, CA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Contra Costa County, CA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member “if you have an immediate family member who has an active account with SWSFCU, you may be eligible for membership!” > [source ↗](https://swsfcu.org/join-us-today) - Family member (immediate family member) of a member - Family of a member immediate family “We are a community-chartered credit union serving Contra Costa County. If you live, work, worship, or attend school in these areas, or if you have an immediate family member who has an active account with SWSFCU, you may be eligible for membership!” > [source ↗](https://swsfcu.org/join-us-today) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Shell Western States Credit Union? Yes No ## Work at Shell Western States Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Shell Western States Credit Union ranks against California peers. - See which AI assistants fetched Shell Western States Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=shell-western-states&state=california&code=CA&name=Shell%20Western%20States%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Shell Western States Credit Union offer? Shell Western States Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Shell Western States Credit Union rates updated? RateAPI verifies Shell Western States Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Shell Western States Credit Union's rate data? Rate data is collected directly from Shell Western States Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Shell Western States Credit Union's best CD rate? As of November 12, 2026, Shell Western States Credit Union offers savings and certificate (CD) yields up to 2.10% APY. ### Who can join Shell Western States Credit Union? Shell Western States Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 1 county for Shell Western States Credit Union, each quoted from Shell Western States Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Shell Western States Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://swsfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Shell Western States Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Shell Western States Credit Union curl "https://api.rateapi.dev/credit-unions/california /shell-western-states " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Shell Western States Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/shell-western-states Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp