Shell FCU | Auto Loans

Scam Alert - Paypal & Online Banking Credentials

Numerous members have received a text message and a subsequent call appearing to come from our main number, (713) 844-1100, and attempting to verify activity on the account. The caller eventually claims to need the member’s username and password for online banking. Shell FCU will NEVER request your User ID, Password, or any one-time-PINs needed to log in to online 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 us back at our main number, (713) 844-1100. 

Auto Loans

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.

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  Payment Power  Apply Now

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

2.74% - 18.00%

61 to 72 months

3.74% - 18.00%

73 to 84 months (This term is only available for New Autos)

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 3.50% - 17.99% Up to 72 months

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

 New or Used RV or Travel Trailer 4.49% - 17.99% Up to 120 months

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Rates current as of  .

*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 84 months is $21.02 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

Insurance binder must show the following:

  • Comprehensive AND Collision Coverage are required on loan amounts exceeding $5,000
  • Deductibles cannot exceed $1,000 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 77536-0578