GAP Plus
This product is designed to protect members against financial loss in the event their vehicle is stolen or declared a total loss due to an insured peril.

GAP pays the difference between the primary auto insurance carrier’s settlement and the Protected Balance. The Protected Balance is the pay-off amount that is directly related to the purchase of the vehicle or the amount borrowed that is secured by the vehicle (subject to coverage limits). In addition to this, if you finance a replacement Vehicle from the Credit Union within 60 days after the Primary Insurance company issues a settlement check CUNA Mutual Insurance will put $1,000.00 towards the next vehicle purchase.

Mechanical Repair Coverage (MRC)
The Mechanical Repair Coverage product helps pay for covered repairs on your car when that unexpected breakdown occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total hundreds or even thousands of dollars.

On the date of purchase, the MRC plan starts protecting you immediately from the cost and inconvenience of covered breakdowns, with the plan’s 24-hour roadside assistance, towing, and emergency travel expense and rental reimbursement. The coverage complements your manufacturer’s warranty because the roadside assistance and travel expense reimbursement can be used immediately, even if your vehicle breaks down during the manufacturer’s warranty period. Later on down the road, your protection continues seamlessly after your manufacturer’s warranty expires.

If you are purchasing coverage for an eligible used vehicle that is no longer covered by a manufacturer’s warranty, you will have peace of mind in knowing that you are protected from the cost and inconvenience of covered breakdowns.

Credit Disability
If you are insured for disability coverage, the policy will pay a benefit if you file written proof that you became totally disabled while your unpaid Credit Union loan was insured. If you are totally disabled for more than 30 days, then the disability benefit will begin with the 31st day of disability. The maximum insurable balance per Credit Union loan account is $30,000.00 and the maximum allowable age for credit disability insurance is 66 years of age.

Credit Life
With this program if you die while your Credit Union loan is insured for life coverage, the policy will pay the principal balance of the insured loan on the date of a member’s death, plus not more than six (6) months unpaid interest on the loan to that date, not to exceed the Maximum Amount of Life Insurance. If the benefits are more than the balance of your Credit Union loan, the difference will be paid to the Beneficiary named by you, if any, or to your estate. The maximum insurable balance per Credit Union loan account is $30,000.00 and the maximum allowable age for credit life insurance is 70 years of age.