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Loan Services

Convenient options to enhance your financial security.

Skip A Payment

Sometimes, unexpected expenses or other financial priorities can make managing your monthly loan payments challenging. That's where our Skip A Payment program comes in handy. With Skip A Payment, you can temporarily defer a monthly payment on qualifying loans*, giving you the flexibility you need without affecting your credit score.

Eligible loans include:

  • Auto Loans
  • Boat Loans
  • Motorcycle Loans
  • RV Loans
  • Motor Sport Toy Loans
  • Share Secured Loans
  • Personal Loans

Ready to give yourself some financial flexibility? Contact us now for more information and for a copy of our Skip A Payment form to navigate life's unexpected twists and turns with confidence.

*$30 Skip-a-Pay fee applies. Approval based on payment history and good standing with Mountain Credit Union. Credit Cards, Real Estate and other revolving loans are not eligible.

TruStage® Insurance

When it comes to insurance, trust TruStage® Insurance Agency for simplicity, reliability, and budget-friendly coverage for life, auto, and home. With TruStage®, you'll find straightforward solutions tailored to your needs, providing the peace of mind you deserve. Backed by over 80 years of experience serving credit unions and their members, TruStage® is a name you can trust to safeguard what matters most to you.

Explore your insurance options and get a quote today.

© Copyright 2020, TruStage. All Rights Reserved.

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.


Mechanical Breakdown Protection (MBP)

Gain peace of mind with Mechanical Breakdown Protection. Our MBP coverage shields you from expensive repairs in the event of a mechanical failure of your vehicle.

Additional Benefits:

  • Enjoy a Free Look Period, allowing cancellation of your MBP package with a full refund.
  • Access 24-hour Emergency Towing & Roadside Assistance.
  • Benefit from Rental Car Reimbursement, ensuring you stay on the road even during repairs.

Protect your vehicle and your wallet with Mechanical Breakdown Protection.

Guaranteed Asset Protection (GAP)

Safeguard your vehicle investment with Guaranteed Asset Protection Advantage from Mountain Credit Union. In the unfortunate event of a total loss, GAP Advantage bridges the "gap" between your vehicle's value and the remaining amount you owe on your loan.

Benefits include:

  • Helps to protect your credit rating.
  • Eliminates or reduces "out of pocket" expenses.
  • Allows you to purchase a replacement vehicle sooner because there is little or no carry-over balance.

Ask a team member about GAP for your next vehicle loan!

Proof Of Insurance

We require insurance to be present on all collateralized loans.

  • No higher than a $1,000.00 deductible on comprehensive / collision coverage.
  • Credit Union must be listed as loss payee on the policy.

    Mountain Credit Union
    PO Box 924124
    Fort Worth, TX 76124

  • The borrower cannot be excluded from the policy.
  • The collateral listed on the loan must be shown as the insured vehicle.

If you have received a letter asking to provide insurance information, please send your INSURANCE DECLARATION PAGE using one of the following channels:

  • Contact 1-866-261-3726 to text a picture of your insurance declarations page.
    Call the same number for assistance in providing your proof of insurance.
  • Visit
    You will need the reference number listed on the letter.
  • Email your declarations page to
  • Fax your declarations page to 1-877-236-3364.
  • Scan this QR code using your mobile phone. A notification box will appear at the top of your phone where you will enter in requested information. QR Code

Overdraft Loan Protection

Secure your financial peace of mind with Basic Overdraft Loan Protection. This service allows overdraft loan transfers to be made to your checking account, as needed, up to a maximum loan amount of $1,000, in increments of $100.

  • Maximum loan amount of $1,000.
  • Transfer increments of $100.

For greater financial flexibility, consider our Reserve Overdraft Line of Credit. This option offers a maximum loan amount of up to $10,000, with advances granted directly to members, in addition to overdraft advances.

  • Maximum loan amount up to $10,000.
  • Advances available directly to members.
  • Accessible via MCU Online.

Apply today and enjoy peace of mind knowing you have protection against unexpected expenses.