Shell FCU | AlertList


30 Nov 2022

Shell Insurance Agency – Important Policyholder Notice

In our ongoing efforts to provide transparent and outstanding service, Shell Federal Credit Union would like to inform you of an upcoming change with Shell Insurance Agency. With the changing economy and increasingly complex insurance environment; effective December 31, 2022, Shell Insurance Agency will be dissolving and will no longer quote or bind new policies. To ensure a seamless transition, our partner agency, Alloy Insurance Partners will continue to support and manage your insurance needs.  

As a policy holder of Shell Insurance Agency, you can expect beginning January 2023:

  • Existing policies will remain in effect; no changes will be made to your current coverage as a result of this change.
  • The (713) 844-1111 phone number will continue to rollover to Alloy Insurance Partners, as they have always assisted with call overflow, and will now answer all calls and requests.
  • As a current policyholder you will receive communications directly from Alloy Insurance Partners.

Please refer to the FAQ below for additional information. If you have any further questions or concerns, please reach out to the team at (713) 844-1111 or Shell Federal Credit Union at (713) 844-1100. As always, thank you for your continued trust and your business.


Frequently Asked Questions

Q: Does this mean I need to get new insurance?

A: No, changes will not be made to your current coverage as a result of this change.


Q: Will I still have a dedicated agent?

A: Alloy Insurance Partners has provided support for Shell Insurance Agency throughout our operation and this team of agents will continue to assist you. You can reach them by calling (713) 844-1111 or (800) 527-2209.


Q: Will my current policy information be available to Alloy Insurance Partners?

A: As our partner agency, Alloy Insurance Partners, has been involved in managing our client’s insurance needs throughout and will continue to be able to access and assist with your policy as always.


Q: What happens if I need to add or change coverage?

A: Alloy Insurance Partners will be able to assist with all changes to your existing policy and additional insurance needs. You can reach them by calling (713) 844-1111 or (800) 527-2209.


Q: How can I contact Alloy Insurance Partners?

A:  Alloy Insurance Partners LLC

Phone : (800) 527-2209

Fax : (888) 891-1318

Email :

Shell Insurance Agency, LLC (SIA) is a subsidiary of Shell FCU. Membership with Shell FCU is not required to receive a no-obligation quote, nor commit to insurance services with Shell Insurance Agency. Insurance products are not deposits of Shell FCU and may subject risk. Any insurance required as a condition of an extension of credit by Shell FCU need not be purchased from Shell Insurance Agency, LLC and may be purchased from an agent or an insurance company of the member’s choice. Business conducted with SIA is separate and distinct from any business conducted with Shell FCU. A soft credit inquire, which does not affect credit score, will be required to provide an insurance quote.
29 Nov 2022

December Skip-A-Pay Is Back 2022

December loan payments for Shell FCU consumer loans funded prior to May 3rd, 2021 will automatically be skipped when the qualifying criteria is met. To Opt Out for December’s Skip-A-Pay or for all future Skip-A-Pay programs, click here to complete the Opt-Out Form electronically or visit any Shell FCU Branch. Check your November Visa Credit Card statement to see if you qualify to skip your December credit card payment. If you wish to not participate in Skip-A-Pay, simply make your credit card payment.

If you finalized a qualifying Shell FCU loan on or after May 3rd, 2021, you can now elect your Skip-A-Payment month through Digital Banking. It’s your loan and you have the power to choose your two Skip-A-Pay months per year!

For more information or assistance, please call (713) 844-1100.

*Shell FCU offers two Skip-A-Pay(s) per year on qualified loans. To qualify, your first payment must be processed prior to the SAP month, an extension must not have been granted in the month prior to the SAP month, you must be in good standing with the credit union and you must be current on any Shell FCU loan(s) in which you area signer. By participating in the SAP program, you request that your loan payment be deferred. You agree and understand that: 1) the payment deferral will extend the term(s) of the loan(s); 2) interest will continue to accrue on the principal balance at the interest rate provided in the original loan agreement; 3) deferring payment will result in additional interest than if the payment was processed as originally scheduled. If applicable, refer to your GAP (Guaranteed Auto Protection) policy for further restrictions. GAP covers up to five Skip-A-Pays during the life of the loan. Shell FCU reserves the right to discontinue or modify this program at any time without notice. Real estate loans, including mortgage and home equity, are not eligible to be skipped due to regulatory restrictions. Certain other loans are ineligible to participate or may require signature to be skipped. Business loans are ineligible to be skipped. Check with a Shell FCU representative to see if your loan qualifies. Loans funded with Shell FCU prior to May 3rd, 2021 will automatically be skipped in July and December when the qualifying criteria is met. If you do not wish to have your loan(s) automatically skipped, please visit your nearest branch for assistance or visit to complete the Skip-A-Pay Opt Out form, located in the Tools & Resources section. Your request to opt out must be received by the last day of the month in which SAP is offered. Loans funded with Shell FCU on or after May 3rd, 2021 can elect their Skip-A-Payment month(s) through Digital Banking based on qualifying criteria.
8 Nov 2022

Scam Alert - Past Due Utility Bills

Attention Shell FCU Members!

Fraudsters continue to evolve scams associated with Mobile Payment Apps, such as Zelle, Venmo and Cash App, by introducing urgency to pay supposed delinquent utility bills to avoid service being discontinued. Beware of scammers calling or texting claiming to be from a utility company stating they did not receive payment and service will be turned off if payment is not sent immediately.

We suggest you disconnect the call and then call the verified utility company phone number or login to their website to verify your balance. If payment is due immediately, please make payment through the verified utility company website, their payment by phone or your financial institution’s Bill Payment. Funds sent through Mobile Payment Apps are non-refundable and should only be sent to verified recipients.

If you have any questions or if you are targeted by a scam like this, please report it to the FTC at

3 Oct 2022

John Garrison Scholarship Now Open!

$2,500 in scholarship awards will be provided to 20 deserving students from the High School Class of 2023! The scholarship applications are easy to fill out and a simple way to earn some cash to pay for college.



15 Two or Four-Year College or University Scholarships


5 Vocational/Technical School Scholarships



  • Own or establish a Shell FCU savings account in the applicant’s name
  • Account in good standing with a minimum $5.00 balance
  • A graduating high school senior in the 2022-2023 school year

If you meet these requirements, then you can apply! The John Garrison Scholarship awards were established in 2000 in memory of John Garrison, a dedicated member of the Shell Federal Credit Union Board of Directors. Mr. Garrison served on the Board for over 50 years as a volunteer; his vision and volunteer spirit is still an inspiration for us all. Our hope is that applicants will embrace that same spirit and carry it forward into their own careers and beyond. Submit completed application online or return completed application and required documentation to any Shell FCU location or mail to P.O Box 578 Deer Park TX, 77536, ATTN: Marketing and must be postmarked by Saturday, January 21, 2023.


To digitally submit your application, visit

Shell FCU is federally insured by the National Credit Union Administration. Anyone who lives, works, worships, attends school, or regularly conducts business in Harris County, TX can bank with Shell FCU once a $5 savings account is established for membership.  For complete details, see the official application.
13 Jul 2022

Scam Alert - Fraudulent Texts

Attention Shell FCU Members! 

We have received multiple reports of fraudulent text messages being sent to members claiming to be from Shell FCU. The sender attempts to confirm a card transaction, card block, Digital Banking login, etc. Use extreme caution and do not reply to suspicious messages or any unknown senders.

While we do reach out via SMS to confirm fraudulent charges on your Shell FCU debit and credit cards, the text messages are coming from a different number and have a completely different format than what we use. True text message alerts from Shell will come from 91937. Our card text alerts also request that you call (888) 918-7313. As always, if you aren’t sure, call our main number at (713) 844-1100 and we would be happy to help.

Thank you for the opportunity to serve you!

9 Jul 2022

Shell FCU Employee Impersonations

We have received multiple reports of members receiving a phone call claiming they are Shell FCU employees.

Employees of Shell FCU will NEVER ask you to perform transactions or make withdrawals.

Shell FCU will NEVER request your User ID, Password, or any one-time-PINs needed to log in to Digital Banking. This information is personal to you and we urge you to NEVER share that information with anyone.

If you are unsure of the identity of the person on the phone, hang up and call the credit union at our main number, (713) 844-1100.