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(724) 266-7675
835 Merchant Street, Ambridge, PA 15003-2325
Routing # 243379585
(724) 266-7675
835 Merchant Street, Ambridge, PA 15003-2325
Routing # 243379585
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Guaranteed Asset Protection (GAP)

What is GAP?

Auto insurance typically covers the cost if your auto is damaged or stolen. GAP will waive the difference between what the insurance company pays and what you owe on the vehicle if you owe more than the actual cash value paid to you by the insurance company. 

Why Do You Need GAP?

A wrecked vehicle can wreck your finances if you owe more on your loan than your insurance will pay. GAP Plus with Deductible Assistance is like an airbag for your vehicle loan. Our Guaranteed Asset Protection (GAP) program can help cushion you and your family against sudden out-of-pocket expenses and goes beyond traditional GAP protection. 

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, 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 purchased from state chartered credit unions in FL, GA, IA, RI, 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 choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. 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. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP-2488407.1-0419-0521 © CUNA Mutual Group, 2019. All Rights Reserved.

How it Works:

  • GAP Plus may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan if your vehicle is deemed a total loss

  • GAP helps you get into your next vehicle by reducing your next loan at the credit union

  • Deductible Assistance is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe 

  • Call us at (724) 266-7675 to get GAP Plus with Deductible Assistance today so you can worry a little less about tomorrow

 
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