Guaranteed Asset Protection (GAP)
Getting protection in the event of a total loss is easy!
The last thing you want to think about right now is a total loss on your new vehicle … But You Should.
GAP is Total Loss Protection... and then some!
The moment you drive your vehicle off of the lot, it depreciates about 20% on average. And you can count on roughly a 15% decline in value each year for the next four years.
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.
The amount you owe on your vehicle and the amount it is worth usually take very different roads. GAP will assist you in covering the distance between them.
An Example: | |
Your loan/lease payoff: | $20,000 |
Vehicle value determined by primary insurance: | -$16,000 |
Primary insurance deductible: | -$500 |
Your responsibility without GAP: | $4,500 |
GAP will cover: | $4,500 |
You owe after GAP*: | $0 |
At just $415 (one-time payment), our GAP coverage typically costs hundreds less than if purchased from the dealer. Most types of vehicles are eligible, and you can generally include GAP coverage in your vehicle loan payment.
Make sure you fill the GAP!
Protect your family, your car and your credit rating with GAP. Ask your loan officer for more information about the benefits of GAP!
*Subject to certain exclusions and benefit limitations.
This information is intended to provide an outline of the terms and conditions of the Guaranteed Auto Protection (GAP) program. Refer to your GAP Addendum or Certificate for all terms and conditions.
Find Your Next Car!

Mechanical Breakdown Protection
With a vehicle service contract you can add protection against the unexpected high cost of vehicle repairs.

Credit Disability & Life Insurance
Credit Disability and Life Insurance can help ease the financial stress for you and your family should you be out of work due to a total disability or in the event of your death.
Convenience at Your Fingertips
Life is already busy and can be hectic at times. Why not do yourself a favor and make life one step easier by taking advantage of our electronic services including mobile banking, eStatements, Online Banking and Bill Pay?
See the difference and take advantage of our electronic services today!
Don’t Just Dream it. Do It...
We can help you find the perfect mortgage!
Purchasing a home is perhaps one of the most important and largest financial decisions you’ll ever make. That’s why you can rely on your credit union for making your dreams come true. Having a dedicated professional to help you navigate the process can be a real plus. We'll work to get you the best rates on the specific loan tailored to your needs.