Fraud Alert

Scammers are pretending to be Shell FCU and may contact you by phone or text from unfamiliar numbers or even spoof our main number (713) 844-1100. For your protection, never share personal details such as your Social Security Number, Date of Birth, passwords, login credentials, or card numbers. If something seems suspicious, hang up or delete the message and call Shell FCU directly at (713) 844-1100. Your safety and security are our top priority. Thank you for the opportunity to serve you!

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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

Find your best loan rate in minutes, no credit impact.

Get My Rate  Apply Now




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. *APR denotes Annual Percentage Rate. Example payment: $25,000 financed for 36 months at 3.49% APR equals approximately $733 per month. Actual rate, payment, and terms may vary based on creditworthiness and loan qualifications. Auto loan rates range from 3.49% APR for 36 months ($29.30 per $1,000 financed) to 18.00% APR for 84 months ($21.02 per $1,000 financed). Loan approval subject to credit and underwriting criteria. $250 Cash Back will be deposited into the member’s primary savings within 48 hours after loan closing. Applicable 1099 forms will be issued the following January. Existing Shell FCU loans and vehicles previously financed with Shell FCU are not eligible for refinancing promotions. Special auto loans, including title loans, are not eligible. Shell FCU offers up to two Skip-A-Pays per year on qualified loans with terms up to 72 months. To qualify for 90-Day Deferred Auto Payments, borrowers must have a credit score of 600 or higher and be in good standing with Shell FCU. Interest will continue to accrue during the deferment period. Other restrictions may apply. Offers may not be combined and Shell FCU reserves the right to modify or discontinue promotions without notice.