Protect Your Account!

DO NOT share personal information with unsolicited callers or texters claiming to be with Shell FCU. We will NEVER ask for your Digital Banking User ID or Password. If YOU initiate contact with us we may send you a one-time authentication code. If uncertain, hang up and call Shell FCU at (713) 844-1100. Thank you for the opportunity to serve you!

Business Certificate Secured Loans

Your Business Share Certificate (or CD) at Shell FCU would serve as collateral for your Business Certificate Secured loan. This loan allows you to borrow and receive a low-rate loan, while still earning interest on your deposit.

  • Rates are 5% above dividend rate
  • Loans can be used for any business needs
  • No prepayment penalties
  • Online access to make payment via Digital Banking

Business Loan Requirements:

  • Business must be eligible for membership (if not currently a member)
  • Financial documentation may be required

Interested in a Shell FCU Business Certificate Secured Loan?

Request to be contacted by a Shell FCU Business Service Representative.

Product Name APR* Available Terms
 Business Certificate Secured Loan

5.00% above dividend rate

Up to 12 months

Rates current as of and are subject to change.

*APR denotes Annual Percentage Rate. Personal Guarantee may be required for owners who own 20% or more in the business. Loan rates are determined by credit score and qualifying criteria apply for all loan approvals. Existing Shell FCU loans not eligible for refinance. This offer cannot be combined with any other offer and Shell FCU reserves the right to discontinue promotions without notice at any time for any reason.