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!

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?

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Product Name Rate Term APR* Range Terms Available**
Signature/Personal Loan Fixed 12.49% - 17.99% Up to 84 months
Rates current as of   and may change after opening the account.

*APR denotes Annual Percentage Rate. Lowest rate of 12.49% for up to 24 months is $47.31 per thousand and highest rate of 17.99% APR for up to 84 months is $21.02 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.