Credit Life & Disability
Taking out a loan can feel like taking on a lot of responsibility. For your protection and if the unexpected were to occur, we offer Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company. This insurance is entirely optional, and may cost less than you would pay for similar insurance elsewhere.
The following types of coverage are available separately and together for any loan except credit cards and home equity lines of credit.
Credit Life Insurance
Credit Life Insurance pays off your outstanding loan balance if you die during the term of the loan. Single or joint coverage is available. With Credit Life Insurance you won't burden your family with the responsibility of your obligations during such a difficult time.
Credit Disability Insurance
Credit Disability Insurance makes your monthly loan payments should you become temporarily or permanently disabled due to sickness or accident. You can rest comfortably knowing your obligations are being met and your credit rating remains in good standing.
Talk to a loan representative today about these important ways to protect your financial future.
Guaranteed Asset Protection (GAP)
If an accident or theft leads to a total loss of your vehicle, GAP covers the difference between what you owe on the loan and what your insurance policy covers. This coverage can save you thousands of dollars.
Protects new and used vehicles up to $100,000.
Can cover up to two missed payments for the life of the loan.
Eligible to receive an additional $1,000 toward the purchase of a replacement vehicle when financed at the credit union.
Includes Automatic Deducible Reimbursement (ADR) which pays up to $500 per loss (unlimited losses per year) when a claim in filed and paid with primary insurance carrier on any insurance related claim*.
Available for Motorcycles, ATV's, Jet Ski's & Snow Mobiles*.
Route 66 Extended Warranty
A Route 66 Extended Warranty policy can extend the manufacturer's warranty by picking up where that policy leaves off. It can supplement the manufacturer's warranty by providing services such as towing, rental reimbursement and roadside assistance when that warranty is still in effect and then also cover repair costs after the warranty expires.
A Route 66 Extended Warranty policy is a vehicle service contract that protects members from the high cost of future repairs. It is priced lower than extended warranties offered by auto dealerships. The premium is made affordable by adding it to the loan, thus spreading the cost over the length of the loan. Route 66 extended warranty isn't just for cars - RVs, motorcycles and ATVs are also covered*!
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Talk with a loan representative about adding GAP or Route 66 Extended Warranty.