Credit union · NCUA insured
Shell FCU Auto Loan Rates
Top CarrotShell FCU auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Shell FCU’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Shell FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Shell FCU
4.49%APR
- Terms
- 49–60 months
- Up to
- 18.00% APR
- Discount
- None included
New or Used Vehicles
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Shell FCU auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Shell FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New or Used Vehicles
Rates current as of 10/16/2026 and may change after opening the account. Existing Shell FCU loans are not eligible for refinance. Special loans such as indirect loans closed at dealerships, title, restructured and boost loans are not eligible for special offers. Comprehensive and collision coverage required on vehicles for the life of the loan (deductibles cannot exceed $1,000 each; required on loan amounts exceeding $5,000).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49%–18.00% | Lowest rate of 3.49% for up to 36 months is $29.30 per thousand. |
| 37–48 months | 3.99%–18.00% | — |
| 49–60 months | 4.49%–18.00% | — |
| 61–72 months | 4.99%–18.00% | — |
| 73–84 months | 5.49%–18.00% | Highest rate of 18.00% APR for up to 84 months is $21.02 per thousand. |
Sources (1)
- shellfcu.org/Products/AutoLoans · captured Oct 16, 2026
Who can join Shell FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.