Phone Banking Technical Difficulties & High Call Volume

Unanticipated technical difficulties are currently being experienced with Phone Banking, therefore we are experiencing higher than normal call volume. Please rest assure that we are working diligently to resolve the issue and assist each caller in a timely manner. Thank you in advance for your patience and we appreciate the opportunity to serve you!

Auto Loans

Shell FCU offers competitive rates on new, used and refinanced Auto Loans. To avoid hassles from dealers:

  1. Get pre-approved online by completing an application before you shop.
  2. Select the vehicle you want to purchase.
  3. Ask the dealer to fax the invoice to Shell FCU.
  4. You’re done after signing final papers!

Additional Loan Services are offered to give you peace of mind and help protect your vehicle.

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.

If you have any questions please speak with a Shell FCU representative by phone at (713) 844-1100 or visit any branch location.


Auto Loan Special   Apply Now

Product Name APR* Approximate Maximum Term
New or Used Vehicles 1.99% - 18.00% Up to 60 months

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Apply Now

New or Used Vehicles 2.49% - 18.00% 61 to 72 months

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Apply Now

New or Used Motorcycle/ATV 3.50% - 17.50% Up to 72 months

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Apply Now

New or Used RV or Travel Trailer 4.00% - 17.75% Up to 120 months

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Apply Now

Classic Car 8.75% - 17.75% Up to 60 months

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Rates current as of 2/27/2017.

*APR denotes Annual Percentage Rate.



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 on 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 (713) 265-4937 or emailed to insurance@shellfcu.org.

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