Attention Valued Shell FCU Members!

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.

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250 Cash Back

Auto Loan Special

  • $250 cash back on every Auto Loan!*
  • Same rates for new, used & refinanced vehicles. For a full list of available rates and terms, click here
  • Choose two Skip-A-Pays every year
  • Ask about 90 days deferred payments

Shell FCU is Federally insured by the National Credit Union Administration (NCUA) and is an Equal Opportunity Lender. With a $5 initial deposit anyone who lives, works, worships, attends school, or regularly conducts business in Harris County, TX can bank with Shell FCU. APR donates Annual Percentage Rate. Auto loan rates range from 3.99% APR for 36 months ($29.52 per $1,000) to 18.00% APR for 84 months ($21.02 per $1,000), based on credit score and qualifying criteria. Auto rate will be determined by your credit score, and qualifying loan criteria applies for all loans. *Existing Shell FCU loans are not eligible for refinancing, and special auto loans, such as title, are not eligible for special promotions. $250 Cash Back per auto loan will be deposited into member's primary savings within 48 hours after closing. Applicable 1099 forms will be issued the following January. 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 3, 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. 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. Some offers may not be combined, and Shell FCU reserves the right to modify or discontinue promotions without notice.