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!
Auto Loan Special
- $250 cash back on every Auto Loan – New, Used or Refinanced!
- Auto rates are as low as 1.99% APR! For a full list of available rates and terms click here
- Ask about 90 days deferred payments
- Two Skip-A-Pays every year!
- Same rates for new & used vehicles
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. Auto: Your rate will be determined by your credit score, and qualifying Shell FCU loan criteria applies for all loans. APR denotes Annual Percentage Rate. Lowest rate of 1.99% is available for loan terms up to 36 months. Lowest rate of 1.99% for up to 36 months is $28.67 per thousand and highest rate of 18.00% APR for up to 72 months is $22.83 per thousand. $250 Cash Back per auto loan will be deposited into member’s primary savings within 48 hours after closing and only applies to loans closed at a Shell FCU branch. Vehicles previously financed with Shell FCU are ineligible to receive Cash Back when refinanced by the same owner. Special loans, such as title, are not eligible for special promotions. Applicable 1099 forms will be issued the following January. 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. This offer cannot be combined with any other offer and Shell FCU reserves the right to discontinue promotions without notice at any time for any reason. Skip-A-Pay: Shell FCU offers a Skip-A-Pay program during the months of July and December. To qualify, your first payment must be processed prior to the Skip-A-Pay 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 Skip-A-Pay program, you request that your loan payment be deferred. You agree and understand that: 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. Shell FCU reserves the right to discontinue this program at any time without notice. Certain loans are ineligible to participate or may require signature to be skipped. Check with a Shell FCU representative to see if your loan qualifies. If you do not wish to have your loan(s) skipped please visit your nearest branch for assistance or visit www.shellfcu.org to complete the Skip-A-Pay Opt Out form, located in the Tools & Resources section. Your request to opt out must be received by the last day of the month in which Skip-A-Pay is offered.