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Lending Services

Lending Services

Loan Payment Protection

Guaranteed Asset Protection (GAP) for Your Vehicle Purchase

You could lose more than your vehicle if it is stolen or involved in a major accident. 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 can be higher than the value of your vehicle. This situation is commonly called being "upside down" on a loan.

GAP helps protect the difference between your primary insurance carrier's Actual Cash Value determination and the payoff amount of your loan. Delinquent payments, late charges, refundable service warranty contracts, other insurance-related products, and interest charged after the date of loss will be deducted from the settlement. Here's an example of how GAP works:

Original Purchase Price..............$20,000
Loan Balance After One Year......$18,000
Insurance Settlement..................$15,000
Remaining Balance.....................$ 3,000 (GAP pays)

GAP provides peace of mind, convenience, confidence and significant savings. Enrollment is simple.  Your loan officer will be pleased to assist you.

Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP) 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 Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.

 

Credit Life and Credit Disability Insurance

Unexpected disability, serious illness or death can seriously affect a household's income and change their standard of living in an instant, making household financial commitments difficult to meet. Struggling to make loan payments on a reduced or lost income is a heavy burden which can be avoided by purchasing optional credit life and credit disability insurance.

In the event that the loan signer or co-signer* should pass away or be diagnosed with a terminal illness (life expectancy of 1 year or less) and the claim is payable, the entire loan balance may be reduced or paid off. Should the loan signer become disabled due to injury or illness, monthly loan payments may be paid until the disability is ended, the loan is paid or the policy maximum is reached.

Check with your loan officer for more details on optional credit life and credit disability insurance, including exclusions, limitations, and maximum benefits.

*Credit life benefits are paid upon the death or diagnosis of a co-signer if the co-signer is a spouse or business partner.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBERS 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-1006307.1-0914-1016

FDIC Equal Housing Lender
P.0. Box 5706, Abilene, Texas  79608