All Branches Are Open!

All Shell FCU branches are open regular hours. Rest assured your funds are safe and secure. Thank you for the opportunity to serve you!

Business Auto Loans

Get your business on the road with a Shell FCU Business Auto Loan. We offer flexible and competitive rates on new or used Auto Loans and Commercial Vehicle Loans for existing and start-up businesses.

If you are purchasing from a dealership, avoid hassles by following these steps:

  • Contact us to get pre-approved today!
  • Once you are pre-approved, select the vehicle you want to purchase
  • Ask the dealer to send the invoice and purchase order to Shell FCU via fax or email
  • We will contact you to let you know of the next steps and help you finalize your loan

Business Loan Requirements:

  • Business must be eligible for membership (if not currently a member)
  • Financial documentation may be required

Additional Loan Services are offered to give you peace of mind and help protect your vehicle.

Shell FCU has partnered with the following representatives to make your auto buying process easier.

Please speak only to the representatives listed above, to ensure you receive credit union pricing and Shell FCU member incentives.

Interested in a Shell FCU Business Auto or Commercial Auto Loan?

Request to be contacted by a Shell FCU Business Service Representative.

Product Name APR* Available Terms
 Business Auto Loan (New or Used) 6.99% - 17.99% Up to 84 months

Purchase or refinance your business auto with a low rate and favorable terms. We can finance vehicles manufactured for household use that are registered to a business.

*APR denotes Annual Percentage Rate. Lowest rate of 6.99% for up to 36 months is $30.88 per thousand and highest rate of 17.99% APR for up to 84 months is $21.02 per thousand.

 Commercial Auto Loan (New or Used) 7.99% - 17.99% Up to 120 months

Purchase or refinance your commercial vehicle with a low rate and favorable terms.

*APR denotes Annual Percentage Rate. Lowest rate of 7.99% for up to 36 months is $31.34 per thousand and highest rate of 17.99% APR for up to 120 months is $18.02 per thousand.

Rates current as of and are subject to change.

Existing Shell FCU loans are not eligible for refinance. Special loans such as indirect loans closed at dealerships, title, and restructured are not eligible for special offers.

Personal Guarantee may be required for owners who own 20% or more in the business. Loan rates are determined by credit score and qualifying criteria apply for all loan approvals. 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.


Shell FCU requires comprehensive and collision coverage on vehicles for the life of the loan. As long as your vehicle is financed at Shell FCU, proof of insurance must be provided. Insurance can be submitted at any Shell FCU branch, by mail to the address below, text to (865) 505-7722 or emailed to

Insurance binder must show the following:

  • Comprehensive and Collision Coverage are required on loan amounts exceeding $5,000
  • Deductibles cannot exceed $1,000 each for Business Auto loan
  • Collateral description, including year, make, model & VIN
  • Business listed as Policy Owner(s)
  • Coverage effective/renewal date
  • Lien holder information must be listed as:

    Shell Federal Credit Union
    P.O. Box 578
    Deer Park, TX 77536-0578