Will the credit union hold the title of my vehicle?

Yes. ATFCU electronically holds all vehicle titles because Texas is not a title-holding state. We will release the title electronically once the loan is paid in full and your account is in good standing and the City of Austin will mail the physical title to you.

(A title-holding state issues the title to the registered owner and/or operator of the vehicle, regardless if there is a lien holder.)