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Auto Loan Protection

Protect Yourself from Unexpected Expenses

Texans are proactive and prepared by safeguarding their investment and their credit with our low-cost protection options. Texans Credit Union offers our members multiple ways to protect their vehicles and wallets with our Guaranteed Asset Protection (GAP)  and Mechanical Breakdown Protection. Both of these options can easily be included in your monthly loan payment.

Guaranteed Asset Protection (GAP) 

If your vehicle is totaled or stolen, insurance may only pay part of your remaining loan balance. You are responsible for what’s not covered by your insurance — the “gap.” That’s where Texans' Guaranteed Asset Protection (GAP) coverage protects you. For a low, fixed cost, GAP coverage can help cover the difference so your money stays where it belongs — in your pocket.

Imagine your vehicle is totaled and:

Your vehicle loan balance: $14,000
Your insurance only pays: $8,000

Amount still owed on your loan: $6,000

Fortunately, with Texans GAP  coverage, the $6,000 balance remaining may be covered.

Texans GAP Advantage

Texans GAP coverage may cover your vehicle's existing depreciation up to $2,500 after the GAP claim has been settled, leaving you with money to put toward the down payment on your replacement vehicle when you finance through Texans CU. Imagine your vehicle is totaled and:

Your vehicle purchase price: $16,000
Your vehicle loan balance: $14,000
Your insurance only pays: $11,000

Texans GAP benefit: $2,500

While normal GAP coverage would only cover the $3,000 "gap" not covered by your insurance, Texans' GAP coverage may provide up to $2,500 towards your new auto loan with Texans CU. In this example, $3,000 would go toward the remaining vehicle loan balance, an additional $2,500 would be applied to your replacement vehicle loan financed with Texans Credit Union, within 90 days from the insurance settlement date.

Start Protecting Your Vehicle Today

  • Available on most new and used auto, motorcycle, watercraft, and RV loans at a low, fixed cost1
  • Easy to add to your loan at time of closing — no extra underwriting or hassle
  • Add this peace of mind to your existing Texans Auto Loan up to 1 year after closing

To add GAP insurance to an existing loan, contact the Texans Lending Department. For GAP coverage on a new loan, select the option during your loan application process.

Call Now Request More Information

 Mechanical Breakdown Vehicle Protection

With Texans Mechanical Breakdown Vehicle Protection, enjoy peace of mind coverage for expensive vehicle breakdowns, repairs, and more, all at an affordable cost.

  • Mechanical Breakdown Protection - Protects your budget from the cost of unexpected repairs
  • Roadside Assistance - Covers emergency services including: lock-out assistance, fuel delivery services, flat tire assistance, and battery services
  • Road Hazard Tire Protection - Covers repair or replacement of tires due to damage caused by a road hazard
  • Rental Vehicle Assistance - In the event of a covered mechanical breakdown, you will be eligible for alternate transportation expenses according to the schedule of your contract
  • Trip Interruption - In case a mechanical breakdown occurs more than 100-miles away from your home and results in a repair facility keeping your vehicle overnight, you are eligible to be reimbursed for meals and lodging for up to three days. 

Texans Credit Union provides four levels of mechanical breakdown coverage — Each one also includes:

  • Roadside assistance — never be stranded
  • Trip interruption reimbursement*
  • Rental car reimbursement*
  • Emergency fluid delivery / refill*

Contact our Lending Department to find out how you can add Mechanical Breakdown Protection to your existing Texans auto loan. For coverage on a new loan, select the option during your loan application process.

Protect Yourself from Costly Repairs Now

Call Now Request More Information

1 Available on auto loans of $100,000 or less, with a maximum finance term of 84 months. Available on motorcycle loans of $50,000 or less, with a maximum finance term of 60 months. Available on RV / travel trailer and boat loans of $125,000 or less, with a maximum finance term of 120 months. Additional restrictions may apply.

2 Deductibles range from $0 to $100 depending on plan.

3 Available on auto loans for most vehicles less than 10 years old and with less than 150,000 miles.

* Restrictions may apply. Insurance and warranty products are not products of Texans Credit Union; and are not obligations of or guaranteed by Texans Credit Union. Texans Credit Union makes no representations as to the service of any provider.

Digitally Enabled and Incredibly Accessible!

  • Online Banking/Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Apple Pay
  • 70,000 Surcharge-Free ATMs - Worldwide
  • Enhanced ATM/Debit Card

All Texans Checking Accounts Are Digitally Enabled and Incredibly Accessible

Texans are smart and our checking accounts should be too. That's why all of our accounts are digitally focused and offer 24/7 access. Use the chart below to select the account that's right for you.

Purchase Rewards

Earn Cash Back Rewards, just for Using Your Texans Debit Card

Purchase Rewards allows you to earn cash back on items you already purchase from stores where you already shop! Here's how it works.

  1. Receive personalized offers directly in online or mobile banking
  2. Accept an offer and earn rewards for any qualifying purchases
  3. Get cash back directly deposited into your checking account the following month

Start earning cash back today!

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Money Management

Manage All of Your Personal Finances, Right Inside Online Banking

This personal financial management tool brings together all of your accounts from virtually every company you do business with, in one place to give you a total picture of your finances. Use it to:

  1. Create a budget that is easy to stick to
  2. Observe your spending behaviors and trends
  3. Gain valuable insight into where your money is going

With the ability to connect to over 20,000 institutions, you can connect and review all of your accounts in one place!

learn more

Financial Education Center

Important Articles About our Products & Services

Financial Education Center

70,000 Surcharge-Free ATMs

Access the World's Largest ATM Network with the Allpoint and CO-OP networks

Mobile Banking App

It's Like Having a Full-Service Branch on Your Phone or Tablet!

Manage your accounts, move money around, pay bills, and more:

  • Access accounts and view transactions
  • Fingerprint login capabilities for iOS and Android users
  • Mobile check deposit
  • Find your closest branch or surcharge-free ATM
  • View balances without logging in via Quick Balance


Mobile Deposit

All you need is your mobile phone and the Texans app to deposit checks anytime, anywhere. It's easy, convenient, and secure.

  1. Snap a picture of both sides of your signed check
  2. Choose the account for deposit
  3. Voila! Your check is deposited.

EMV Chip Technology

Protect Your Card Transactions from Fraud

All Texans debit and credit cards are now equipped with a fraud-fighting microchip that encrypts information when making transactions at a chip-enabled terminal.

  • Insert your card in the chip reader instead of swiping
  • You can still swipe your card when necessary
  • You can still use your card online or over the phone

Plus, chip cards are more widely accepted worldwide so your card is easier to use outside of the U.S.

Mastercard Debit Card

Open an Account

Visa Credit Card

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VISA® Cards

Great Rate or Cash Back

Regardless of which card you choose, there are no annual fees with a Texans VISA card. Plus, you can transfer balances from your other high-rate cards without paying a balance transfer fee and take cash advances with no additional fees.

But that's not all. Your Texans VISA comes with online access where you can utilize our personal financial management tool, Money Management, to create a budget and gain valuable insight into where your money is going.

1 Rates subject to change and are based on personal credit history. For more information, visit our Rate Advantage VISA Card page.

2 For full cash back details and terms and conditions visit our Cash Rewards VISA Card page.

Mastercard® Debit Card

Cash With No Fees at 70,000 ATMs

Use your Texans Mastercard Debit Card at more than 70,000 surcharge-free ATMs worldwide through the Allpoint and CO-OP ATM networks, and anywhere Mastercard is accepted. Plus, your Texans Mastercard Debit Card will:

  • Double your manufacturer's warranty on purchases up to 12 Months*
  • Provide a 60-day satisfaction guarantee on purchases for full refund of the purchase price*
  • Include Mastercard Global Service for emergency, one-day, temporary card replacement in the US*

Get a Texans Debit Card with your checking account today!

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* For full details and terms and conditions visit our Mastercard Debit benefits guide.

Courtesy Pay or Overdraft Protection

Protect your debit card transactions, ATM withdrawals, automatic payments and checks or EFTs from a declined transaction.

Overdraft Protection

Your first line of defense uses your accounts to cover overdrafts.

  • $5 fee for each transaction
  • Uses designated savings account or line-of-credit to pay overdrafts

Learn more about Overdraft Protection here

Call Us

972.348.2000 (800.843.5295)

Courtesy Pay

A one-time opt-in can provide an emergency backup against overdraft.

  • $35 fee for each transaction
  • May cover transactions that exceed your available balance, up to $750 (including fees)

Learn more about Courtesy Pay here

Opt In


Make the Switch to Mobile and Online Statements

Making the switch to eStatements is secure and easy. Here's how it works.

  • View and print statements right from your online or mobile banking
  • Up to 36 months of statements available for you anytime
  • Reduce waste while increasing your account security
Enroll in eStatements

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Guaranteed Asset Protection (GAP)

Texans GAP coverage could save you thousands. If your vehicle is totaled or stolen, your insurance may not pay to cover its full value. That’s where we come in. Our GAP coverage offers low-cost protection if you have a high-cost loss by covering additional funds needed to pay off the vehicle loan. And it’s available on most new and used auto, motorcycle and RV loans1.


Major Mechanical Protection

Car repairs today can set you back thousands of dollars. Fortunately, Texans offers its members Major Mechanical Protection (MMP) coverage. This protects you from the unexpected expense of vehicle repairs. There’s absolutely no deductible for repairs and you don’t have to wait for reimbursement — all repair costs are covered up front. Available on most new and used auto loans2.

Learn More


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