An electrical female terminal (10) is provided of two piece construction comprising an outer body (12) and an inner body (14). The outer body has a forward shield portion (16) and rearward conductor attaching portion (18). The inner body has a forward receptacle portion (60) and a rearward conductor contacting portion (62) enabling current to flow from a mating terminal to an attached electrical cable via the inner body. The receptacle portion includes resilient contact arms (78). The shield portion of the outer body surrounds the receptacle portion. The shield portion includes back-up spring members (32) that enable the receptacle portion to maintain a normal force on a mating terminal even if the contact arms relax.