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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*Shell FCU is federally insured by the National Credit Union Administration (NCUA) and is an Equal Opportunity Lender. Anyone who lives, works, worships, attends school or regularly conducts business in Harris County, TX can bank with Shell FCU once a $5 savings account is established for membership. Other restrictions may apply. Shell FCU reserves the right to modify or discontinue promotions without notice. APR donates Annual Percentage Rate. Auto loan rates range from 3.99% APR for 36 months ($29.52 per $1,000) to 18.00% APR for 84 months ($21.02 per $1,000), based on credit score and qualifying criteria. Auto rate will be determined by your credit score, and qualifying loan criteria applies for all loans. Existing Shell FCU loans are not eligible for refinancing, and special auto loans, such as title, are not eligible for special promotions. $250 Cash Back per auto loan will be deposited into member's primary savings within 48 hours after closing. Applicable 1099 forms will be issued the following January. Vehicles previously financed with Shell FCU are ineligible to receive Cash Back when refinanced by the same owner. Shell FCU offers two Skip-A-Pay(s) per year on qualified loans with original terms up to 72 months. Loans finalized with Shell FCU on or after May 3, 2021, can elect their Skip-A-Payment month(s) through Digital Banking based on qualifying criteria. To qualify, your first payment must be processed prior to the SAP month, an extension must not have been granted in the month prior to the SAP month, you must be in good standing with the credit union, and you must be current on any Shell FCU loan(s) in which you are a signer. By participating in the SAP program, you request that your loan payment be deferred. You agree and understand that: 1) the payment deferral will extend the term(s) of the loan(s): 2) interest will continue to accrue on the principal balance at the interest rate provided in the loan agreement: 3) deferring payment will result in additional interest than if the payment was processed as originally scheduled. If applicable, refer to your GAP (Guaranteed Auto Protection) policy for further restrictions. GAP covers up to five Skip-A-Pays during the life of the loan. To qualify for 90 Days Deferred Auto Payments, you must have a credit score of 600 or higher and be in good standing with Shell FCU. Interest will continue to accrue each month during deferment. Other restrictions may apply to qualify for SAP or deferred payments. Some offers may not be combined, and Shell FCU reserves the right to modify or discontinue promotions without notice.
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