Vehicle Service Contracts (Extended Warranty)
Keep your car—and your budget—running smoothly
Modern vehicles have thousands of parts. When something fails after the factory warranty ends, repair bills can pile up fast. A Vehicle Service Contract (VSC) from 1st University CU helps cover those big, unexpected costs so you can keep driving with confidence.
Why get your VSC through 1st University CU?
Usually hundreds less than the dealership. Same type of protection, member-friendly pricing.
Pay the easy way. Add it to your 1st UCU auto loan with little to no change to your monthly payment.
Nationwide coverage. Use an authorized repair facility—often your preferred ASE-certified mechanic.
Roadside + rental + trip interruption. Many plans include helpful benefits while your car is in the shop.
Flexible + portable. Coverage options for most new and used vehicles; contracts are typically transferable if you sell your car.¹
Real-world snapshot: In the last two years, the average claim paid was around $2,000 — the kind of expense a VSC can help absorb.
What’s typically covered
Choose a plan level and deductible that fit your vehicle and budget. Coverage can include:
Powertrain: engine, transmission, drive axle
Electrical & tech: alternator, starters, modules, infotainment components²
Comfort systems: A/C, heating, cooling
Steering & suspension: power steering, control arms, struts
Fuel & braking systems and more
1: Eligibility varies by vehicle age/mileage and plan selection.
2: Certain high-tech components vary by plan.
Plan options (examples)
Powertrain: Essential protection for high-mileage or older vehicles
Plus: Powertrain + major electrical/comfort systems
Comprehensive/Exclusionary: Bumper-to-bumper-style coverage on most components
Not sure which plan you need? We’ll price a couple of options so you can compare coverage and deductibles side-by-side.
How it works
Get a quick quote. Share your year/make/model, VIN, and mileage.
Pick your plan. We’ll tailor options to how (and how far) you drive.
Choose how to pay. Roll it into your loan or pay up-front—your call.
Drive with confidence. When covered repairs pop up, bring your car to an authorized facility and your plan helps with the bill.
FAQs
Is a VSC the same as a manufacturer warranty?
Not exactly. A VSC is a service contract that kicks in after the factory warranty ends (or to fill gaps), helping pay for covered repairs per your plan.
Can I buy a VSC if my car has high mileage?
Often, yes. Many plans cover higher-mileage vehicles. Availability and price depend on age/miles and model.
Where can I get repairs done?
At an authorized repair facility — often your trusted ASE-certified local shop or dealership service center.
Is there a deductible?
Most plans offer deductible choices (including $0 on some tiers). Lower deductibles usually mean a slightly higher plan price.
Can I cancel or transfer it?
Most contracts are transferable to a new owner and cancelable within specific time/mileage windows per the contract terms.
Can I add it to my existing 1st UCU auto loan?
Yes, many members wrap it into their loan with little to no change in their monthly payment.
Get a free, no-obligation quote
Michael Connolly
Senior Loan Officer
(254) 752-2797 ext. 303 | text (254) 752-2797
mconnolly@culink.net
Apply for an Auto Loan if you’re purchasing or refinancing and want to include a VSC.
Good to know
Coverage, benefits, and limits vary by plan and vehicle.
Exclusions apply (wear items, maintenance, pre-existing conditions, etc.).
We’ll walk you through the fine print before you decide.
Related protection (popular add-ons)
GAP Plus: Covers the “gap” if your car is totaled and insurance pays less than your loan balance.
Credit Life and Credit Disability: Protect your family’s finances by covering your loan payments in case of death or disability.