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!

Dealer Financing vs. Credit Union Financing

Use this calculator to assist in comparing financing with your credit union and dealer financing. A dealer rebate is usually not available when you choose low interest dealer financing. Credit union financing can produce a lower initial loan balance, therefore a lower monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. Information determined from the use of the calculator is not a guarantee of credit. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.