AutoSMART

TTCU's AutoSMART pages are filled with valuable information to help you in your car buying experience. There are articles to help you with all the decisions you face. You can find the value of your trade-in using the "Black Book," which is what the car dealers in Oklahoma use to determine the worth of your trade. You can build your own vehicle and determine the price you should pay for it. You can even compare several vehicles side-by-side to help you make the best decision. And, when you're ready make a purchase, you can shop the inventory of select dealers in the area.

New or Used Vehicle Loans

1. Loan applications can be processed at any of our Participating Dealerships listed in AutoSMART or get pre-approved before you shop. Getting pre-approved for your vehicle loan means you'll have negotiating power knowing how much you're approved for before you shop. Get pre-approved by applying online or by phone 918-749-8828 Ext. 7020, toll free 800-234-8828 Ext. 7020. And, as long as you have access to email, a loan officer can email you a link to a secure website that allows you to quickly e-sign and have access to funds within minutes. (Click here for a demonstration.)

2. Shop at Participating Dealerships and request to have your loan financed through TTCU.

3. Refinance and save! Refinancing your existing non-TTCU vehicle loan could lower your rate and monthly payment - putting more money in your pocket. Check out our competitive rates to see just how much you can save! 

 Auto Advisor

Our Auto Information Officer, Bill Bryant is on hand at the Main Branch to visit with you to help answer any questions you might have regarding your vehicle purchase or trade, FREE of charge. He equips TTCU members with the real numbers to enable you to be a smart, well-educated and savvy vehicle shopper. Click here for his Top Four Vehicle Buying Tips. You can contact Mr. Bryant by calling 918-749-8828 Ext. 2263 or toll free 800-234-8828 Ext. 2263.

Repossessed Vehicles for Sale

From time to time, TTCU puts repossessed vehicles up for sale. Click here for information about our current repossessed vehicles and other properties for sale.

Carfax^® Used Car Report

Click here to get your CARFAX Vehicle History Report to help you make more informed decisions about used cars, providing information on:

• Salvage or Flood History
• Other Total Loss Events
• Frame Damage 
  
• Accidents Reported to CARFAX
• Mileage Accuracy
• Number of Owners
• Lemon/Manufacturer Buybacks
• Recalls/Major Repairs
• Safety and Reliability

Mechanical Breakdown Protection (MBP)

Repair work can be outrageously expensive. TTCU offers a very competitively priced MBP that covers you for a variety of mechanical failures and features:

• $0 or $50 deductible
• Money Back Guarantee
• Nationwide protection (any certified mechanic in the US or Canada)
• 24-hour Roadside Assistance
• Direct Payment to Repair Facility
• $413,266 was paid on behalf of TTCU Members for repairs in 2009
• Coverage for Special Electronics
• Coverage for Commercial Vehicles
• Click Here for a Quote

GAP Advantage (Guaranteed Asset Protection)

Today's vehicles depreciate at an alarming rate. In the event of a total loss, GAP protects you from owing more on your vehicle than it's worth.

• In the event of a total loss (stolen, totaled by wreck or storm) GAP pays the difference between what your insurance company pays (market value) and the payoff on your loan.
• Plus, if you have a GAP claim, you get a $1,000 credit on your next vehicle loan with TTCU (within 90 days)
• Can be added to your loan at any time.
• TTCU members received $341,681 in GAP claims in 2008!

Payment Protection

Payment Protection will protect you against death and/or disability. The premium charged is the lowest allowed in Oklahoma and is built into your loan payment for only a few dollars per month. TTCU members received $676,200 for the death benefit and $33,435 for the disability benefit in 2009.

Payment Options

There are so many ways to make your TTCU loan payment. The hardest part is choosing the best one for you!

• Virtual Branch - Apply for Virtual Branch (online banking) access to set up your payment to transfer automatically every month or any time you wish 24/7.
  
• Mobile Branch - TTCU's Virtual Branch gives you access to the Mobile Branch from your Internet-enabled mobile device so you can transfer the funds to pay your loan anytime from anywhere.
• Funds Distribution - Set your payment up to transfer from your checking account on a specified date every month.
• Convenient Branches - Make real-time payments at any of our Branch Locations.
• Mail - Use the convenient payment envelopes provided to mail your payment each month.
• Credit Union Shared Service Centers - Make your payment at locations nationwide. Click here to find a Shared Service Center location.
  
• ACH - TTCU can deduct your payment from any financial institution within the U.S.

Access to Real People

Don't get stuck with a lender that is inaccessible, out of state and inflexible. TTCU has Loan Officers at all of our branch locations to assist you in all circumstances.