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Loan Protection

Credit Disability Insurance

The credit union offers Credit Disability Insurance. For details see a loan officer, e-mail us or call 209-383-5550 or 800-542-2345, ext. 141 or 142.

Credit Life Insurance

The credit union offers Credit Life Insurance. For details see a loan officer, e-mail us or call 209-383-5550 or 800-542-2345, ext. 141 or 142.

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 representative, or refer to the Policy Agreement for full explanation of the terms. CDCL 0212-B1B3.

Guaranteed Asset Protection (GAP)

In the event that your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, your insurance company pays the actual cash value of the vehicle at the time of loss. You remain liable for payment of the difference between your primary insurance company's settlement and the balance of your loan. GAP/GAP Plus is designed to help cancel that difference.

The benefits of GAP are:

  • Offers protection for new and used vehicle loans.
  • Protection is provided for the term of your loan up to 84 months.
  • Protection is applicable for vehicles valued up to $100,000 at time of purchase.
  • Benefits are paid up to $50,000.
  • Deductible protection up to $1000.
  • Protection is effective with the execution of all documents.

The benefits of GAP Plus are:

  • Same benefits as GAP.
  • GAP Plus is designed to cancel up to $1,000 from your replacement vehicle loan if you finance with us within 60 days of receiving the insurance settlement check.
Your purchase of MEMBER'S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with Us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP-1516226.1-0616-0718

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More information on our products, services or feedback on our Web site | Phone: 209-383-5550 or 800-542-2345 | Fax: 209-383-2308 | Email Us


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