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!

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* Available Terms
 New or Used Vehicles

4.99% - 18.00%

Up to 36 months

5.49% - 18.00%

37 to 48 months

5.74% - 18.00%

49 to 60 months

5.99% - 18.00%

61 to 72 months

6.99% - 18.00%

73 to 84 months

Interested in a Shell FCU Loan?

Ask for other available term options.

Request to be contacted by a Shell FCU Representative.

Rates current as of 6/15/2024 and may change after opening the account.

*APR denotes Annual Percentage Rate. Lowest rate of 4.99% for up to 36 months is $29.97 per thousand and highest rate of 18.00% APR for up to 84 months is $21.03 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.

Auto Buying Checklist


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. Insurance can be submitted at any Shell FCU branch, by mail to the address below, text to (865) 505-7722 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) or Driver(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