So, I’m a fairly organized guy but during COVID I had a hip replacement that went bad (staph infection) that took my attention off of things. I paid off my car substantially early during this same period. It was a 5-year used auto loan from a Colorado credit union. Fast forward 3 years and some change and I’m ready to trade the car in, but realized the credit union never sent me the title. This was the first car I’ve ever purchased used and this the first time I’ve ever utilized a used auto loan at a credit union. All my other cars were financed through the car manufacturer’s auto financing group. A couple of questions;

1). Is this normal behavior (not automatically using the title) for a credit union?

2). Do I need to go through the hassle of getting the title at this point or can a dealership pull the title from them?

100% of this story occurs in Colorado, if that matters.