Shell FCU | Dealer Calculator

Important Notice

We are currently experiencing higher than normal wait times through all communication channels – including telephone, email, branch and drive thru. Following the CDC’s COVID-19 guidelines to protect the staff and membership, we are social distancing and quarantining when recommended. The lobbies are open, however we encourage the use of the drive thru. Online Banking and the Mobile Banking App are available 24/7 for convenient account access. Please know we are working diligently to provide each member with the exceptional service they deserve. 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. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.