Shell FCU | Growing Together
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Shell FCU has been growing with our members since 1937. We are a family who serves the community through service, lending, financial planning and positive support. With ideal products and services, savings opportunities, rewards, cash back and financial education we are here to help you grow too!

We appreciate the trust you place in us. Thank you for the opportunity to serve you...and let's continue "Growing Together" in 2023 and beyond.

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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. Auto: Your auto rate will be determined by your credit score, and qualifying Shell FCU loan criteria apply for all loans. *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 with original terms up to 72 months. 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. Other restrictions may apply to qualify for SAP or deferred payments. 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. Mortgage: Mortgage rates and monthly payments are based on personal credit history and underwriting criteria. *Apply for a mortgage loan on or after August 1, 2021 to receive $500 Cash Back per $50k+ mortgage loan funded. Cash back will be deposited into the member's primary savings within 30 days of mortgage funding. Mortgage loans are the only real estate loans eligible for promotional cash back offers. Applicable 1099 forms will be issued the following January. Advertised rates are subject to change at any time without notice. The no closing cost mortgage program includes all nonrecurring closing costs, except an owner's title policy. Limit one Shell FCU no closing cost mortgage per property. Shell FCU does not offer manufactured home, condo loans, or construction loans. Shell FCU reserves the right to discontinue any promotion at any time for any reason without notice.