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Asset Protection

Essential Protection for Your Vehicle Loan - and Your Finances

GAP Plus With Deductible Assistance

Vehicle loan protection for what your auto insurance may not cover for a wrecked vehicle.

That’s where GAP Plus comes in.

If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.

GAP with 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.

GAP Plus with Deductible Assistance—essential financial protection on your vehicle loan that helps you drive with confidence. Talk to us today about how we can help protect you from sudden out-of-pocket expenses.

Protect your vehicle loan—purchase GAP Plus with Deductible Assistance today!

Call North Star Community Credit Union at (712) 225-5731 and enroll today.

GAP, which includes deductible assistance, 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 contract 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, 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. 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.

Fair market insurance value isn’t always fair. There may be a gap.

graph showing a potential difference in what an insurance settlement will pay after an accident and your loan balance is.

Mechanical Repair Coverage (MRC)

Optional protection against costly repairs. Drive with confidence, knowing we’ve got your back

A breakdown can be troubling enough without the added worry of expensive repairs. That’s why we’re pleased to bring you Mechanical Repair Coverage.

As your vehicle gets older, the risk and cost of repairs increases.

graph showing as a vehicle gets older & mileage increases, the risk and cost of repairs increases

And the average cost of those repairs can be expensive.*

picture of car showing varying costs of repairs ranging from $982 for a power window to $10,121 for a new engine

Mechanical Repair Coverage may help limit unexpected covered repair costs as your vehicle ages, potentially saving you thousands of dollars in repairs. What’s more, it works at any authorized repair facility in the in the continental United States of America, Alaska, Hawaii, and Canada.

There’s so much our Mechanical Repair Coverage can do for you.
Talk to us about the plan that’s right for you today.

Disclosure:
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.

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