Additional Loan Services

  • Gap/Extended Warranty


    GAP Insurance and Extended Warranty Protection

    Fort Worth City Credit Union’s loan department now offers two new types of insurance: GAP Insurance and Extended Warranty coverage. You can add the cost of these products to a new or existing loan, without raising your payment. Extended Warranties can even be purchased through our loan department whether your vehicle is financed through the Credit Union or with another financial institution. Contact a loan officer at 817.732.2803 for more details or to get an instant quote.

    GAP Insurance Benefits

    If your vehicle is ever in an accident, stolen, or otherwise declared by your insurance to be a total loss, most auto policies will only pay the actual cash value of the vehicle...minus your deductible. Unfortunately, this means that you remain financially responsible for any difference between the insurance settlement and the amount you still owe on the loan - even if the loss wasn’t your fault! GAP insurance covers the difference between your loan balance and the vehicle’s actual value if you experience a total loss. It also covers your out-of-pocket deductible on your auto policy up to $1000*! Other benefits include:

    • Protection for the life of your loan
    • Releases you from the burden of paying off a loan on a vehicle you no longer have
    • Helps protect your credit rating
    • Provides so much peace of mind

    Make sure you check with Fort Worth City Credit Union before purchasing GAP Insurance from the dealership. Without the price markup from the dealership, we are sure you will find the cost is much less, and we can add the cost into your new or existing loan. Plus, you can come back and add GAP Insurance at a later does NOT have to be purchased at the same time as the vehicle! Contact us today at 817.732.2803 to add GAP insurance to your loan!

    Extended Warranty Protection Plans - Call us today for an instant, no-obligation quote!

    Fort Worth City Credit Union now offers the Mechanical Breakdown Protection Plan through American Service Group. The Mechanical Breakdown Protection Plan provides new and used vehicle coverage (some exclusions apply, see a loan officer for complete details) that can be purchased by any FWCCU member. We can even finance the cost of the Extended Warranty into your existing loan without raising your payment! With four different levels of protection, the Mechanical Breakdown Protection Plan offers superior coverage that can save you hundreds of dollars over comparable manufacturer’s vehicle service contracts.

    All plans include:

    • Engine, Transmission, and Drive Axle coverage
    • Emergency Roadside Assistance for the full term of the contract
    • Lost key/lock out service
    • Rental vehicle in the event of an eligible repair
    • Road Hazard Tire Protection
    • Trip Interruption: 3 days of hotel and food expenses if a covered breakdown occurs more than 100 miles away from home

    Best of all, there is no limit on the number of times you can use your Protection Plan; repairs may be completed at any licensed repair facility in the United States or Canada; and there is only one deductible per visit. Contact a loan officer at 817.732.2803 for more details or to see which plan would best suit your needs. Call us at 817.732.2803 for an instant quote.

    *Deductible reimbursement benefits subject to the maximum limit set fort in your GAP Waiver Addendum. Deductible reimbursement benefits are only applicable in the event a GAP Amount is waived under the GAP Waiver Addendum.

  • Mortgage Life/Disability Insurance


    Your home may be your most valuable asset...Provide peace of mind for your loved ones when they need it most.

    Even if you have Life or Disability Insurance, subtract your mortgage debt from the coverage amount to see what remains. Is that enough to take care of other obligations AND leave behind what your family needs?

    If you were to die unexpectedly or become sick or injured, could your family continue to make the mortgage payments without your income or financial support? Think about what would happen if you and your family didn't have enough money to pay those bills. Don't let yourself, or the ones you love become the victim of a financial disaster.

    Valuable Protection Today!

    Premium rates are based on the coverage amount selected and your age at the time coverage begins. For joint coverage, the age of the older applicant must be used. You must be working at least 30 hours per week for Disability coverage. Tobacco and Non-Tobacco rates are available. Only residential mortgage borrowers are eligible for coverage.

    Coverage Options

    • Single Life Protection - Term life insurance that pays off the scheduled insured loan balance up to the plan maximum if the borrow dies from any cause during the covered period (except suicide within one year from the issue date).
    • Joint Life Protection - Insures primary borrower and co-borrower. Pays scheduled insured loan balance in the event of either one's untimely death.
    • Disability Protection - Helps pay monthly payments in the event of a covered illness or injury. Available as single or joint coverage.

    Summary of Life Benefits:

    • Easy application process
    • Joint coverage available
    • Protection for unpaid mortgage balance
    • Minimum coverage of $10K and maximum coverage of $300K
    • Cost of insurance does not automatically change with the age of the borrower*
    • Issued to ages 18-69
    • Terminates at age 75
    • Benefits are paid regardless of other coverage you may have

    Summary of Disability Benefits:

    • Easy application process
    • Joint coverage available
    • Protection for unpaid mortgage balance
    • 30-day waiting period
    • Cost of insurance does not automatically change with the age of the borrower*
    • Issued to ages 18-60
    • Terminates at age 65
    • Monthly minimum coverage of $100 and maximum coverage of $1,500

    Protect your family. Protect your credit. Protect your investment.

    Stop worrying if your family has the funds available to help pay off or reduce your mortgage in the event of your untimely death or to help with monthly loan payments if you suffer an illness or injury. Contact the Real Estate Department today at 817.732.2803 to apply for mortgage Life & Disability Insurance and enjoy the peace of mind that comes with knowing you and your loved ones are protected.

  • Debt Cancellation


    Protecting Your Financial Future

    An unexpected loss of income can change your family’s standard of living in an instant. It can be emotionally and physically stressful, as well as making household financial commitments difficult to meet. Struggling to make loan payments on a reduced or lost income is another heavy burden your family shouldn’t have to bear. When you choose to protect your loans with Debt Cancellation coverage, you’re planning for your family’s financial future.

    Comprehensive Protection

    Debt Cancellation coverage protects a broad range of events that could impact your ability to repay your loan – helping to increase your peace of mind. Debt Cancellation coverage may help cancel or reduce the outstanding loan balance or your monthly loan payment in the event of a protected event, such as a death, disability, involuntary unemployment, or a family medical leave of absence.*

    Convenient and Affordable

    After your loan is approved, and if you meet the age requirement, you may elect to purchase Debt Cancellation coverage on your loan. If you choose to enroll more than 30 days after signing your loan documents, your approval for the protection will depend upon eligibility requirements and your answers to health questions and statements.

    The fee for your chosen protection option is collected at the same time we process your loan payments, eliminating the need for you to remember another due date.

    Call a loan officer today at 817.732.2803 to discuss these important ways to protect your financial future.

    *Exclusions, limitations, and maximum benefits may apply. Contact the Credit Union for complete details.

  • TX Dot Forms


    Texas Department of Transportation Forms

    We now provide several commonly used forms by the Texas Department of Transportation. Whether you are applying for a car title, transferring a title, or applying for heirship of a vehicle, we have the forms available here on our website. Each form also contains instructions on how to complete the forms and how to submit them. Be sure to submit them to the correct department within the Texas Department of Transportation, not to us here at Fort Worth City Credit Union. Click on the links below to get started, or contact a loan representative at 817.732.2803 for additional help filling out the forms:

    Application for Texas Certificate of Title

    Heirship Affidavit

  • TruStage Auto Insurance


    TruStage® Insurance Products

    You trust Fort Worth City Credit Union to provide you and your family with quality products and services to meet your financial needs. We work with a dedicated team of insurance professionals to bring you TruStage® Insurance Products, formerly known as CUMemberDirect. The name has changed, but the company and products are still the same high quality insurance products that you have come to expect from one of our partners.

    What is TruStage? TruStage insurance, products and programs are made available by the companies of CUNA Mutual Group. They’re only available to credit union members. That means you could get discounted rates, financial planning products and services that other financial institutions simply don't make available.

    • Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
    • Receive fast, easy access to claims service 24 hours a day.
    • Obtain a free, no-obligation quote on life, auto, home, health, AD&D and/or Medicare insurance.

    Call or visit to find out how TruStage can help you.
    Monday - Friday: 7:00 a.m. - 9:00 p.m. CT
    Saturday: 8:00 a.m. - 4:00 p.m. CT

    Click here to start saving!

    TruStage Insurance Products are made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. Y0040_GHA082GH-0111



    What is a CARFAX Vehicle History Report™?

    When shopping for a used car, the vehicle's condition and safety are important factors to consider. CARFAX Vehicle Safety Reports™ can help you make better used car-buying decisions.

    As the most trusted provider of vehicle history information, CARFAX is used by millions of consumers each year. CARFAX Vehicle History Reports™ are available on all used cars and light trucks model year 1981 or later. Using the unique 17-character vehicle identification number (VIN), a CARFAX Report is instantly generated from their database of over eight billion records.

    Every CARFAX Report contains information that can impact a consumer's decision about a used vehicle. Some types of information that a CARFAX Report may include are:

    • Title information, including salvaged or junked titles
    • Flood damage history
    • Total loss accident history
    • Odometer readings
    • Lemon history
    • Number of owners
    • Accident indicators, such as airbag deployments
    • State emissions inspection results
    • Service records
    • Vehicle use (taxi, rental, lease, etc.)

    How much does a CARFAX Vehicle History Report™ Cost?

    Save $19.99 by getting your CARFAX Report through Fort Worth City Credit Union. CARFAX Reports typically cost $39.99 if purchased through the CARFAX website. If you'd like to see a CARFAX report on the vehicle you are interested in, FWCCU can pull it for you for just $20.

    How can I get a CARFAX Report on a used vehicle?

    Contact a loan officer at 817.732.2803 with the vehicle information and just say "Show me the CARFAX!" today!