What is Payment Protection?
We offer two types of Payment Protection insurance: credit life and credit disability insurance.

Credit life insurance is designed to payoff the insured balance on your loan if you die.

Credit disability insurance is designed to pay your loan payments (up to the contract limit) if you become ill or disabled and are unable to work.

How do I get Payment Protection coverage?
During the loan application process, you'll be given the opportunity to apply for Payment Protection. If you apply for coverage at the time of your loan application, it's likely that you won't have to go through a long approval process to take a medical exam. And, your insurance becomes effective as soon as your loan is finalized.

If you do not sign up for this insurance at the time of the loan application, you can do so at any time after your loan closing. However, once your loan has been in place for 30 days, you'll have to provide evidence of good health in order to receive coverage.


Mechanical Breakdown

Don't Get Stuck Without Mechanical Breakdown Coverage

Your vehicle is a major investment. You want to protect it so you can drive it for many years to come. With Mechanical Breakdown (Sometimes referred to as Bumper-to-Bumper Extended Warranty Coverage), your vehicle repairs are covered even if it is out of the manufacturer's warranty. You can purchase this coverage for both new and used vehicles through your credit union for less than what the dealers charge for comparable coverage. So, don't hesitate any longer.

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Guaranteed Assest Protection (GAP)

Protect Your Vehicle Investment and Your Credit, Not Just Its Value.

You could lose more than your vehicle, boat, motorcycle, or RV if it is stolen or involved in a major accident. You could lose your investment and possibly risk your good credit rating. Because most insurance policies only cover the value of your vehicle - something that rapidly declines during the first few years of ownership - your loan balance could be higher than the value of your vehicle.

Now you can protect your vehicle, motorcycle, or RV investment with Guaranteed Asset Protection (GAP). GAP is a non-insurance product and is made available via a loan deficiency waiver that covers the "gap" between the vehicle's value and the amount you still owe. Essentially, GAP protects you, your credit, and your entire investment from substantial loss.

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