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⚠️ FRAUD ALERT: Protect Your Account! ⚠️

Scammers are impersonating Shell FCU employees, using different phone numbers or spoofing our official number (713) 844-1100 to steal personal information. They may call or text asking for your SSN, DOB, passwords, or Digital Banking details—DO NOT SHARE! Hang up or delete the message immediately. Shell FCU will NEVER ask for your credentials. If in doubt, call us directly at (713) 844-1100. Remember: If YOU call us first, the number can't be spoofed! Stay vigilant.

Personal Loans

Personal loans are the most popular general purpose loans and can be used for almost anything. You don't have to use your car, an investment, or your house as collateral. If approved, your signature is acceptable. Repayment is through a fixed amount over a fixed term.

 

Interested in a Shell FCU Personal Loan?

Apply Now

 

Product Name Rate Term APR* Range Terms Available**
Signature/Personal Loan Fixed 9.99% - 17.99% Up to 84 months
 
Rates current as 4/18/2025 and may change after opening the account.
 

*APR denotes Annual Percentage Rate. Lowest rate of 9.99% for up to 24 months is $46.19 per thousand and highest rate of 17.99% APR for up to 84 months is $21.06 per thousand.

**Minimum loan amount of $50,000 is required for terms greater than 60 months.

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.