GAP Protection — Do You Need it?
We offer Guaranteed Asset Protection (GAP) when you finance your vehicle with us. It's voluntary and may be factored into your loan amount.
Why it's Important:
If your vehicle is totaled or stolen, all too often the insurance payment is not enough to pay off your loan, leaving you with a balance due. By having GAP Protection, that remaining balance will be waived, making it easier for you to purchase a new vehicle. It's a valuable protection for your investment.
Protect Your Investment and Save with TCT's Protection Options
Payment Protection Credit Life & Disability
Credit Life & Disability Insurance may make your loan payments in the event of your disability or death, providing your family protection from the unexpected.
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Mechanical Repair Coverage (MRC)
As your vehicle ages, MRC may help cover repairs, potentially saving your budget from unexpected repair costs.
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Please contact us at 800-721-8288 for more information on GAP and TCT Protection Options for your next purchase.
FAQs
Yes. TCT’s mobile banking app offers you the ability to view account transactions, transfer funds between TCT accounts and other banks, apply for a loan, control your TCT debit and credit cards, and deposit checks. You can safely download our Mobile Banking App by using the links below:

You may reorder checks online.
Reorder Checks
You may also contact us to reorder checks at 1-800-721-8288.
There are three ways to apply for a TCT loan. Apply online, apply over the phone or visit any TCT branch to apply in person.
Apply Online
Yes. Members may send and receive wire transfers domestically and internationally. TCT does not charge an incoming wire fee. Please call us for applicable fees for outgoing wires.
To send a wire from a TCT account, you will need:
- Recipient/Payee’s full legal name, complete address including country, account number (or IBAN).
- Receiving if required, intermediary financial institution’s full name, complete address, ABA routing/transit number. If the wire is being sent internationally, we will require the financial institutions swift/sort code.
- Additional information may be required to process your outgoing wire request.
To receive a wire, the outside party will first need to send a wire to Alloya Corporate FCU:
- Step 3:
Your Name
Your Address
Your TCT account number
If you have any questions or need additional information, please contact your local TCT branch.
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