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Loan and Vehicle Protection

Drive with peace of mind knowing that you and your vehicle will be protected on the road in case of an accident or emergency.

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GAP

If your car is totaled in an accident or stolen and not recovered, you could owe more than the vehicle is worth. We’ll help you cover the “gap” so you can still pay off your car in case of emergency.

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Mechanical Repair Coverage (MRC)

As your car gets older, most repairs will happen after your manufacturer’s warranty has expired. MRC picks up where that coverage ends and pays for the cost of parts and labor for any covered repair on your car.

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Credit Life and Credit Disability Insurance

Unexpected events happen. Credit life and credit disability insurance can give your family a sense of security knowing your loans will be repaid in the event of death or disability.

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Ready to secure your loan and car protection?

To purchase the additional payment protection products, schedule an appointment at your nearest branch or call (888) 413-0652.

Financial Freedom happens here.®

Footnotes

    GAP is not insurance; it is an optional debt cancellation product. GAP 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 the amount financed under your loan will increase the cost of GAP because there will be additional interest due based on the inclusion of the GAP Fee in the loan principal amount. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid, if no benefits have been provided. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee, if no benefits have been provided. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee, if no benefits have been provided.

    Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at P.O. Box 802746 Chicago, Illinois 60680-2747, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

    The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.

    Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional to purchase 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. Base Policy Nos. CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800-0695, B3a-800-0288, CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992.

    CDCL, GAP, MRC-8130606.1-0725-0827

    Routing Number ⑆ 263181368
    © 2025 FAIRWINDS Credit Union