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 apply for all loans. Auto: APR denotes Annual Percentage Rate. Lowest rate of 1.74% is available for loan terms up to 36 months. Lowest rate of 1.74% for up to 36 months is $28.53 per thousand and highest rate of 18.00% APR for up to 84 months is $21.02 per thousand. Existing Shell FCU loans are not eligible for refinance. Special 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 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. 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. Mortgage: Mortgage rates and monthly payments are based on personal credit history and underwriting criteria. Advertised rates are subject to change at any time without notice. The no closing cost mortgage program includes all non-recurring closing costs. Shell FCU does not offer financing on manufactured homes, condos or construction loans.