Shell FCU members falling victim to Digital Banking compromises. Fraudsters are calling and texting members while spoofing our official (713) 844-1100 phone number. Do not respond to these texts or calls. Delete the text or hang up immediately.
NEVER share your Digital Banking credentials and avoid disclosing personal information with unsolicited callers or texters claiming to be Shell FCU. We will never do this. If in doubt, call Shell FCU at (713) 844-1100. If YOU call us first the number cannot be spoofed, and you know you will be talking to a Shell FCU employee.
Are you searching for the vehicle you can afford instead of the vehicle you want? Have you been financing for a longer term than you would like, to lower your payments? Shell FCU has the solution for you!
The Payment Power program can put you in the vehicle of your dreams with a monthly payment you can afford. Like a lease, the program offers monthly payments considerably lower than conventional financing. However, unlike a lease, with the Payment Power program, the vehicle is titled in your name. This means you own the vehicle, without all the hidden costs or stress of leasing. Vehicle ownership gives you the option to sell, trade, refinance or pay off your vehicle at any time without any early termination fees. Similar to a lease, at loan maturity, you also have the option of turning the vehicle in and walking away. With the Payment Power program, you get the best of both worlds!
Click here to compare low Payment Power payments to conventional loan payments.
Benefits of the Payment Power Program:
NEW finance option offering lower monthly payments - on average 30-40% lower than conventional financing
Up to 100% financing available
Flexible loan terms - up to 60 months
Available for New and Used Vehicles - up to 5 years old
You own the vehicle - the vehicle is titled in your name
Flexible Mileage Options - 7,500, 10k, 12k, 15k, or 18k per year
No prepayment penalties
Options at Loan Maturity:
Refinance the remaining balance at loan maturity to keep the vehicle
Sell or trade the vehicle at loan maturity or anytime during the loan term
Return the vehicle at loan maturity in lieu of making the final balloon payment
Additional Loan Services are offered to give you peace of mind and help protect your vehicle.
Request to be contacted by a Shell FCU Representative.
Rates current as of .
*APR denotes Annual Percentage Rate. Lowest rate of 4.99% for up to 36 months is $29.97 per thousand and highest rate of 18.00% APR for up to 60 months is $25.39 per thousand. Existing Shell FCU loans are not eligible for refinance. Special loans such as indirect loans closed at dealerships, title, restructured and boost loans are not eligible for special offers
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. Qualifying Shell FCU loan criteria applies for all loans. Your rate will be determined by your credit score and qualifying Shell FCU loan criteria applies for all loans. Existing Shell FCU loans are not eligible for refinance. Payment Power loans do not qualify for Skip-A-Pay or deferred payments. A pre-surrender inspection will be conducted by an insured and bonded vehicle inspection company prior to surrender to verify the vehicle is in "normal" wear and tear condition. See contract for complete details. Shell FCU reserves the right to discontinue promotions without notice at any time for any reason. Applicable 1099 forms will be issued each January.
Shell FCU requires comprehensive and collision coverage on vehicles for the life of the loan. As long as your vehicle is financed at Shell FCU, proof of insurance must be provided and remain in the primary loan holder’s name. Being listed as a driver on someone else’s policy does not fulfill the insurance requirement as outlined in the loan agreement. Insurance can be submitted at any Shell FCU branch, by mail to the address below, faxed to (713) 265-4937 or emailed to insurance@shellfcu.org.
Insurance binder must show the following:
Comprehensive AND Collision Coverage are required on loan amounts exceeding $5,000
Deductibles cannot exceed $1,000 each
Collateral description, including year, make, model & VIN
Borrower(s) listed as policy owner(s)
Coverage effective/renewal date
Lien holder information must be listed as:
Shell Federal Credit Union P.O. Box 578 Deer Park, TX 77536-0578
Offsite Notification
You are about to leave the Shell Federal Credit Union Website and be directed to:
The external website you are linking to is not operated by Shell Federal Credit Union. We are not responsible for any content or information on this external website. Shell Federal Credit Union is not responsible for, nor do we represent you or the external website if you enter into any agreements. Privacy and security policies may differ between our website and this external site.
You are about to leave the FCU Team Website and be directed to:
The external website you are linking to is not operated by Shell Federal Credit Union. We are not responsible for any content or information on this external website. Shell Federal Credit Union is not responsible for, nor do we represent you or the external website if you enter into any agreements. Privacy and security policies may differ between our website and this external site.
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