Scammers are posing as Shell FCU representatives to try and steal your personal information. They are using unfamiliar phone numbers or even spoofing our official Shell FCU phone number of (713) 844-1100. These fraud attempts may come through phone calls or text messages requesting your personal information such as Social Security Number, date of birth, passwords, or Digital Banking login details.
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| Product Name | APR* Range | Terms Available |
|---|---|---|
| Line of Credit/Overdraft | 12.25% - 17.99% | No term |
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With a Line of Credit, you can write a check, use your ATM card or access the funds through Digital Banking as the funds are needed. As you repay the balance, this open line of credit is available the next time you need extra cash. Have extra cash available when you need it most by applying today! Apply Now |
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| Share Secured | 3.00% above dividend rate | Up to 60 months |
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A Share Secured Loan assists in building credit or can be helpful to make a necessary purchase but don't want to dip into your savings. This loan allows you to borrow against your savings at Shell FCU and receive a low-rate loan, while still earning interest on your savings deposit. Request to be contacted by a Shell FCU Representative. |
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| Certificate Secured | 3.00% above dividend rate | Up to 12 months |
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Your Term Share Certificate (or CD) at Shell FCU would serve as collateral for your Certificate Secured loan. This loan allows you to borrow and receive a low-rate loan, while still earning interest on your deposit. Request to be contacted by a Shell FCU Representative. |
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| Boat | 8.74% - 17.99% | Up to 120 months |
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Make your dreams a reality with a Shell FCU Boat Loan. Shell FCU can help you hit the open water in style! Ask about other available term options. *APR denotes Annual Percentage Rate. Lowest rate of 8.74% for up to 60 months is $20.64 per thousand and highest rate of 17.99% APR for up to 120 months is $18.02 per thousand. |
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| New or Used Motorcycle/ATV | 7.74% - 17.99% | Up to 72 months |
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Make your dreams a reality with a Shell FCU Motorcycle Loan. Shell FCU can help you hit the open road in style! Ask about other available term options. *APR denotes Annual Percentage Rate. Lowest rate of 7.74% for up to 24 months is $45.12 per thousand and highest rate of 17.99% APR for up to 72 months is $22.81 per thousand. |
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| New or Used RV or Travel Trailer | 8.74% - 17.99% | Up to 120 months |
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Make your dreams a reality with a Shell FCU Recreational Vehicle or Trailer Loan. Shell FCU can help you hit the open road in style! Ask about other available term options. *APR denotes Annual Percentage Rate. Lowest rate of 8.74% for up to 60 months is $20.64 per thousand and rate of 17.99% APR for up to 120 months is $18.02 per thousand. |
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| Farm Equipment | 9.24% - 17.99% | Up to 120 months |
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Shell FCU offers new and used Farm Equipment Loans with up to 100% financing. Rates are fixed and details vary based on equipment type. Request to be contacted by a Shell FCU Representative. *APR denotes Annual Percentage Rate. Lowest rate of 9.24% for up to 60 months is $20.88 per thousand and highest rate of 17.99% APR for up to 120 months is $18.02 per thousand. |
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Rates current as of 5/23/2025 and may change after opening the account.
Please contact a Shell FCU representative or visit a Shell FCU branch for more information.
*APR denotes Annual Percentage Rate. Loan rates are determined by credit score and qualifying criteria apply for all loan approvals. Existing Shell FCU loans not eligible for refinance. Special loans such as indirect loans closed at dealerships, title, restructured and boost loans are not eligible for special offers. 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.
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