Fotolia_51856126_Subscription_XLCredit Disability and Credit Life*
While you can’t predict an accident, you can plan how you’ll be able to financially handle one should it occur. MEMBER’S CHOICE® Credit Life and Credit Disability Insurance plans offer loan-specific coverage.

MEMBER’S CHOICE® Credit Life Insurance is a voluntary coverage that can help reduce or pay off your loan balance, up to the maximum limit, if you or your covered co-borrower pass away.

MEMBER’S CHOICE® Credit Disability Insurance is a voluntary coverage plan that helps make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.


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*CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.  Your purchase of MEMBER’S CHOICE® credit life and credit disability insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.  CDCL-2634050.1-0719-0821

Mechanical Repair Coverage (MRC)
When buying any vehicle, there is always a chance of having a mechanical breakdown, which can be very expensive to repair.  With a vehicle service contract from Vision Warranty Corporation you can add protection against the unexpected high cost of vehicle repairs, in some cases eliminating the cost altogether.  Our Mechanical Repair Coverage insurance is offered through Vision Warranty Corporation, insured through First Colonial Insurance Company and powered by Auto Exam.  Contact one of our lending professionals for details, or check it out here!

Guaranteed Asset Protection (GAP)
GAP is total loss protection…and then some.  If your vehicle is stolen or damaged and deemed a total loss, you are responsible to pay the difference between what you owe and what your insurance company says your vehicle is worth.  GAP can help cover the difference and potentially save you thousands of dollars.   Our GAP insurance is offered through VisualGAP® by Frost.

■GAP pays any remaining balance due on your loan beyond what your automobile insurance will pay.

■GAP covers your financing agreement for the entire loan term.

■GAP delivers risk protection from total loss or unrecoverable theft.

■GAP offers generous coverage up to $50,000.

■No separate cash payment is needed – simply add the cost of GAP to your automobile loan

The insurance products offered:
1)  are not federally insured;
2) are not obligations of the credit union;
3) are not guaranteed by the credit union or any affiliated entity