Additional Loan Services

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 time...it 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.

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 within 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.

Texas Department of Transportation Forms

Whether you are applying for a car title, transferring a title, or applying for heirship of a vehicle, we have a link to 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 link below to get started, or contact a loan representative at 817.732.2803 for additional help filling out the forms:

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 for your home, auto, and more.

What is TruStage? TruStage insurance, products and programs are made available exclusively 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, and accidental death/dismemberment insurance.

TruStage Insurance Products are 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.

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?

Click the link above or contact one of our loan officers at 817.732.2803 with the vehicle information and just say "Show me the CARFAX!" today!