Join Us Today

Benefits of Partnership

There are many benefits to offering Shell Western States Federal Credit Union (SWSFCU) membership to your employees. Your employees will have access to all of our financial products, services, and educational programs, at no cost to you.

We're available to give presentations on-site to your employees about financial health and provide financial education on topics ranging from home ownership, budgeting, credit reports and more. These on-site presentations are an important benefit to helping your employees become financially stronger.

A SWSFCU Representative will administer these presentations and be available to enroll employees and answer any financial questions. We will provide you with all the materials to announce our financial on-site visit. All we ask is your aid in distributing them and a modest amount of introductory administration such as processing direct deposit/payroll allocation.

Some additional benefits of credit union membership

For the Employer

• No-cost employee benefit

• Enhances benefits package

• We do the administration

• On-site enrollment and presentation opportunities

For the Employee

• Encourages regular saving with direct deposit/payroll allocation

• Educates on good financial habits

• Receives great rates and terms

• Exclusive money-saving offers for members

• Easy access to accounts 24/7

Refer-A-Friend Program

Get ready to share the love with our exciting Refer-A-Friend program! As an eligible account holder, you can start participating in our Refer-A-Friend Program and earn up to $500 dollars (per calendar year)!

For each friend you refer, you’ll earn a $25 gift card as a thank you for spreading the word!  Here’s how it works:

1.      Refer your family and friends to open a savings AND checking account with the credit union.

2.      The referred individual MUST be a new member of Shell Western States FCU.

3.      Don’t forget! Have them write YOUR FULL NAME on their application form when prompted to enter “how they heard about us”.

4.      Keep it in the green! Both accounts (yours and theirs), need to be in good standing (no NSF fees, negative balances, or returned checks).

5.      After 30 days, we’ll get in touch with both of you to find out how you want to receive your $25 gift card to celebrate your referral success! 🎁

You can earn up to 20 referral gift cards (that’s a total of $500!) in a calendar year! - Just a heads up: these gifts may be reported to the IRS as miscellaneous income on Form 1099-MISC (or Form 1042-S if applicable).

Please note: We can't disclose any details regarding membership accounts created by your referrals, so please follow up with your friends and family to ensure they have completed the program steps. Eligibility requirements apply and those who are not immediate family members must either, Live, Work, Worship or Attend School within Contra Costa County at the time of membership. Employees of Shell Western States FCU are also eligible to participate in the Refer-A-Friend program.

PEOPLE HELPING PEOPLE! - The Credit Union Mantra

Program begins March 1st, 2025.

Credit Unions vs Banks

SWSFCU was founded 70 years ago at the end of World War II by men and families associated with the Martinez Shell Oil Refinery. They had come back from war and were trying to restart their lives. They banded together as groups had been doing since the mid-1800s and the SWS Federal Credit Union was born. Today it has nearly 4000 members and is open to anyone who lives, works, worships, or attends school in Contra Costa County.

We have made a lot of changes in the last few years, but after 70 years we are still a member-owned financial institution that exists to help our members achieve their individual financial goals in a safe and sound environment. Our organization values behavior that is ethical, cohesive, caring, dependable, professional, and progressive. We believe that…

• All people (regardless of financial status) are individuals – not numbers

• All people should be treated with dignity and respect

• All products & services should respond to our members’ individual needs

• Are committed to operating in a safe, sound, and ethical manner to protect our members’ funds

Finally, we offer great rates on products and services, which include:

• Loans for mortgages, vehicles, school, Christmas, and other personal reasons or VISA credit cards

• Savings products including money market accounts, holiday accounts, IRAs, and certificates of deposits

• Community activities such as financial literacy training, Foodbank, Boys & Girls Club, the California Credit Union League, and the Chamber of Commerce