1700 Pacheco Blvd
Martinez, CA 94553
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Shell Western States is an NCUA insured institution located in Martinez, CA. It was founded in 1947 and has approximately $83.86 millions in assets.

NCUA Insured Yes
Charter Number # # 5484
Date Established 1947
Assets $83.86 million
Loans $32.96 million
Deposits $73.81 million
Capital $9.14 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Martinez and Pacheco.

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101

We do not yet have rates for Shell Western States

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Note to Shell Western States
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Advertiser Disclosure

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for SHELL WESTERN STATES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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Shell Western States Locations

Financial Details

Shell Western States Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Shell Western States. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Shell Western States U.S. Average
1.70% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Shell Western States had $140,953 in non-current loans and $16,126 in owned assets. To cover these potential losses it had $9,135,769 in net worth and $110,801 in loans loss reserves. That gives it a Texas Ratio of 1.70%.

Net Worth
Shell Western States U.S. Average
10.89% 13.61%

Shell Western States FCU has a net worth of 10.89% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Shell Western States

Branches and Savings

What is Shell Western States?

A federal credit union, registered with the NCUA under certificate #5484.
Learn more about credit unions here.

Is Shell Western States FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Shell Western States?

Please see Field of Membership information above for information on who is eligible to join.

What are Shell Western States's share account and share certificate rates?

Shell Western States's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Shell Western States?

Shell Western States has total capital of $9.14 million. Full information on Shell Western States's financial position is located above.

Who owns Shell Western States?

Credit Unions are owned by their members.

Where are Shell Western States branches located?

See branch locations nearby.

Are Shell Western States ATMs Open 24/7?

Do Shell Western States ATMs accept cash deposits?

Can Shell Western States customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Shell Western States have a mobile app?

Does Shell Western States have mobile deposit?

Does Shell Western States have quick pay?

How can Shell Western States transfer money to other banks or credit unions?

Does Shell Western States report to credit bureaus?

Does Shell Western States use Chexsystems?

Does Shell Western States use Equifax?

What is Shell Western States's toll free phone number?

What is Shell Western States's ACH Routing Number?

What is Shell Western States's SWIFT code?

Where can I find Shell Western States's wire transfer form?

What is the Shell Western States address for deposits?

What Products Does Shell Western States Offer

Does Shell Western States offer mortgages?

Compare mortgage rates here.

Does Shell Western States offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Shell Western States offer auto and RV loans?

Compare auto loan rates here.

Does Shell Western States offer student loans or personal loans?

Compare personal loan rates here.

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