Auto Loan Special
- $250 cash back on every Auto Loan!*
- Auto rates are as low as 2.49% APR! For a full list of available rates and terms, click here
- Choose two Skip-A-Pays every year
- Ask about 90 days deferred payments
- Same rates for new & used vehicles
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. Your auto rate will be determined by your credit score, and qualifying Shell FCU loan criteria apply for all loans. APR denotes Annual Percentage Rate. Lowest auto rate of 2.49% is available for loan terms up to 36 months. Lowest auto rate of 2.49% for up to 36 months is $28.86 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 refinancing, and special auto loans, such as title, are also not eligible for special promotions. $250 Cash Back per auto loan will be deposited into member’s primary savings within 48 hours after closing and only applies to loans closed at a Shell FCU branch. 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. Loans finalized with Shell FCU on or after May 3rd, 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 original 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. Applicable 1099 forms will be issued the following January. To qualify for 90 Days Deferred Auto Payments, you must have a credit score of 600 or higher, be in good standing with Shell FCU and close your loan at a Shell FCU branch. Interest will continue to accrue each month during deferment. 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.