2317 Easton Avenue Bethlehem, PA 18017-5099 Phone 610-691-0041 Fax 610-691-8624 E-mail service@btcu.org

Convenient Access:

Click here to do your BTFCU banking on the Internet. (Requires registration before using first time.)

Link to the new, improved Electronic Bill Payment site. (Requires registration before using first time.)

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to find ATMs that charge no fees to BTFCU members.

Click here for the CUNA Mutual Member Financial Services website.

Click here for an online Mortgage Application.

Click here to see BTFCU's Savings Accounts and Savings Rates.

Click here to see BTFCU's Loans and Loan Rates.

Office Hours:

Monday, Tuesday,
Wednesday, Friday:
9:00 a.m. - 5:00 p.m.
Thursday:
9:00 a.m. - 6:00 p.m.

Click here to go to BTFCU's Kid Stuff pages.

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Serving Members Since 1935

GAP: Guaranteed Asset Protection

Guaranteed Asset Protection now available from BTFCU.

Guaranteed Asset Protection closes the gap between the amount of insurance coverage you have and the loan balance remaining on your vehicle. Unfortunately, unexpected situations can occur.

If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, auto insurance will cover the replacement value. However, if there is a difference between the insurance settlement and the remaining loan balance, you are responsible for that difference. This deficiency can sometimes amount to thousands of dollars.

MEMBER’S CHOICE® GAP Protection is an affordable way to fill the gap. For just a few dollars per month, members can protect themselves against this kind of unexpected expense. Get peace of mind with GAP protection.

Advantages to Members:

Protection from an unexpected financial loss.
Helps maintain credit rating.
Affordable coverage.

GAP - Guaranteed Asset Protection at a glance

GAP Premium or cost:	$290
Premium Payment - new loan:	Finance or pay directly to BTFCU
Premium Payment - existing loan:	Pay directly to BTFCU
Maximum loan amount covered:	$50,000.00
LTV (Loan to Value of vehicle):	cannot exceed 125%
Premium refund:	If canceled within 90 days of enrollment

How do I know if I need Guaranteed Asset Protection?

Ask yourself the following questions:

After I drive off the auto dealer’s lot, will I owe more on my vehicle than it’s worth?
Will I put less than 20% down on the purchase of my vehicle?

Answering yes to either question means your vehicle may not be completely protected. You could be responsible for paying the difference between your primary insurance settlement (vehicles cash value) and your loan balance in the event your vehicle is stolen, accidentally damaged beyond repair or declared a total loss. This could add up to thousands of dollars out of your pocket. With GAP protection, you’re covered. Plus, you get a 90-day free look which means you can cancel coverage within 90 days of your enrollment date and receive a full refund and no cancellation fee.

This coverage is available when you get a new loan with us or if you have a loan with us that you are currently paying on. For more information on Guaranteed Asset Protection, call us at 610-691-0041.