Expect the unexpected. We can make sure you're protected.

When you take out a loan or purchase a car, you're taking on a bit of financial risk. We understand that might make you feel uneasy. That's why MTCU offers members in Midland, Texas, and beyond a full range of products that protect your investments, safeguard your family finances and offer you peace of mind.And for more insurance options, visit our partners at TruStage Insurance.

Name of Policy Policy Features
Credit Life & Disability Payment Protection
Do you owe money on a loan? This policy can help you pay it off should something happen to you.
  • Coverage kicks in if you pass away or become disabled
  • Credit Life coverage available for single or joint owners.
  • Premiums can be rolled into loan
  • Policy reduces risk of unpaid debts and credit loss
  • Credit Disability only available for primary borrower.
  • Must be completed at loan origination 
Guaranteed Asset Protection with PowerBuy
GAP can offer financial relief if your vehicle is stolen or damaged beyond repair.
  • Protects against vehicles losing value due to age and high mileage
  • Covers difference between insurance settlement and loan balance
  • May provide up to $2,500 toward a new auto purchase
  • Must be completed at loan origination 
Mechanical Breakdown Protection
Major car repairs can be a budget buster. Now you can take your car to the shop without worrying about the cost.
  • Comprehensive coverage for major vehicle repairs.
  • 24-hour roadside service
  • Pays for rental vehicle
  • Trip interruption coverage
Paintless Dent Protection
Fix all those dings and dents that can ruin your vehicle's appearance.
  • Covers repairs of dings and dents up to 4 inches in diameter
  • No deductibles or out-of-pocket expenses
  • Available for vehicles with less than 36,000 miles on the odometer
Tire and Wheel Protection
Texas is full of rough roads. Your tires take a beating. This coverage will keep the wheels turning.
  • Covers damage caused by road debris and pot holes
  • No deductibles or out-of-pocket expenses
  • Available for vehicles with less than 36,000 miles on the odometer
MPOWER Vehicle Return Protection
Sometimes, life hits you with big changes that make it hard for you to cover your car loan.
  • Allows you to return your car in the event of layoff, physical disability, international job transfer and other life-changing circumstances.
  • Available to drivers regardless of age, health or employment status
  • Can be added to new and used vehicle loans
  • Must be completed at loan origination 
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