We are currently experiencing higher than normal wait times through all communication channels – including telephone, email, branch and drive thru. Following the CDC’s COVID-19 guidelines to protect the staff and membership, we are social distancing and quarantining when recommended. The lobbies are open, however we encourage the use of the drive thru. Online Banking and the Mobile Banking App are available 24/7 for convenient account access. Please know we are working diligently to provide each member with the exceptional service they deserve. Thank you for the opportunity to serve you!
Shell FCU offers competitive rates on new, used and refinanced Auto Loans. To avoid hassles from dealers:
- Get pre-approved online by completing an application before you shop
- Select the vehicle you want to purchase
- Ask the dealer to fax the invoice and purchase order to Shell FCU
- You’re done after signing final papers!
Additional Loan Services are offered to give you peace of mind and help protect your vehicle.
- Extended Warranty
- Guaranteed Auto Protection (GAP)
- Credit Life & Credit Disability
- Vehicle Insurance
Shell FCU has partnered with the following representatives to make your auto buying process easier.
Please speak only to the representatives listed above, to ensure you receive credit union pricing and Shell FCU member incentives.
|Product Name||APR*||Approximate Maximum Term|
|New or Used Vehicles||
1.99% - 18.00%
Up to 36 months
2.24% - 18.00%
37 to 48 months
2.49% - 18.00%
49 to 60 months
2.99% - 18.00%
61 to 72 months
Interested in a Shell FCU Loan?
Ask for other available term options.
Request to be contacted by a Shell FCU Representative.
|New or Used Motorcycle/ATV||4.50% - 17.99%||Up to 72 months|
|New or Used RV or Travel Trailer||5.49% - 17.99%||Up to 120 months|
*APR denotes Annual Percentage Rate. Lowest rate of 1.99% for up to 36 months is $28.64 per thousand and highest rate of 18.00% APR for up to 72 months is $22.82 per thousand. Existing Shell FCU loans are not eligible for refinance. Special loans such as indirect loans closed at dealerships, title, restructured and boost loans are not eligible for special offers.
Shell FCU requires comprehensive and collision coverage on vehicles for the life of the loan. As long as your vehicle is financed at Shell FCU, proof of insurance must be provided and remain in the primary loan holder’s name. Being listed as a driver on someone else’s policy does not fulfill the insurance requirement as outlined in the loan agreement. Insurance can be submitted at any Shell FCU branch, by mail to the address below, faxed to (865) 470-8805 or emailed to email@example.com.
Insurance binder must show the following:
- Comprehensive AND Collision Coverage are required on loan amounts exceeding $5,000
- Deductibles cannot exceed $1000.00 each
- Collateral description, including year, make, model & VIN
- Borrower(s) listed as policy owner(s)
- Coverage effective/renewal date
Lien holder information must be listed as:
Shell Federal Credit Union
P.O. Box 578
Deer Park, TX 77536