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We offer both GAP (Guaranteed Asset Protection) and Debt Protection for our loan products. Have a look at these offerings and contact us to learn more about how to insure your loans with FCCU.

GAP (Guaranteed Asset Protection)

If you're vehicle is in an accident and is considered "a total loss," GAP will cover the difference between what you still owe on the loan and the actual value of the vehicle (also known as the insurance company settlement). Here's how it works:

Let's say you have a car loan for $10,000. Unfortunately, your car gets totaled in an accident and you only receive $7,000 for your vehicle from your insurance company. That leaves you with a $3,000 gap between what you have been awarded and what you have to pay. GAP Insurance will cover the difference for you so you don't have to worry about paying that difference out of pocket or with another loan. 

If you would like to add GAP Insurance to your loan, contact your local loan officer to start that protection.

Debt Protection

Debt Protection is a low-cost, optional feature of FCCU loans that kicks in when you’re unable to work, whether disabled or involuntarily unemployed. Members also value the relief that Debt Protection provides in the event of death. In these unfortunate circumstances, Debt Protection can help make a loan payment or even pay off the loan.

If you receive a letter from us asking about insurance on an item you have financed at FCCU:

You can update your insurance information with us using one of the following convenient options:

  1. Go to MyLoanInsurance and enter the Web ID and Ref ID referenced in the top right hand side of your letter. Then submit your updated insurance information. 
  2. Call us at (866) 866-3879 to provide your updated insurance information or fax it to (877) 879-2230.
  3. Mail your updated insurance policy to:

Fort Community Credit Union
P.O. Box 924405
Fort Worth, TX 76124

Please provide your insurance information as soon as possible. Our loan agreement requires you to maintain adequate insurance coverage with items financed with FCCU.

Storing your vehicle, motorcycle, camper, or boat for the winter?

Please contact your local loan officer so that they can waive full coverage insurance for you.