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!

Payment Power

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.

Shell FCU has partnered with the following representatives to make your auto buying process easier.

Please speak only to the representatives listed above, to ensure you receive credit union pricing and Shell FCU member incentives.

If you have any questions, please speak with a Shell FCU representative by phone at (713) 844-1100 or visit any branch location.

Why Pay For The Whole Car?

Payment Calculator  

Type of Advance APR* Approximate Maximum Term
 New or Used Payment Power Vehicles

5.99% - 18.00%

Up to 36 months

6.49% - 18.00%

37 to 48 months

6.74% - 18.00%

49 to 60 months

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Interested in a Shell FCU Loan?

Request to be contacted by a Shell FCU Representative.

Rates current as of  .

*APR denotes Annual Percentage Rate. Lowest rate of 5.99% for up to 36 months is $30.42 per thousand and highest rate of 18.00% APR for up to 60 months is $25.40 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 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