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Value Added Loan Options

Value Added Loan Options

One of our Financial Services Representatives will be happy to discuss these options, as well as eligibility requirements, terms, conditions, and restrictions.


Credit Life & Disability* is available on the home equity line of credit, VISA, and vehicle loans.  It helps pay your loan payments should you experience illness or disability, or pay the balance in the case of death.  The premium, based on the loan's balance, is deducted monthly and paid as part of the loan payment.  You may add the insurance at any time, but there is a six-month waiting period for disability claims and pre-existing conditions.  To add insurance to an existing loan contact your loan officer.  The insurance is not available to members over the age of 70.  To file a claim or for further information call (800) 445-4483.


CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries, and affiliates.  Your purchase of MEMBER'S 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 Policy Agreement for a full explanation of the terms.  CDCL-0913-60CB


GAP (Guaranteed Auto Protection) is a Loan Balance Deficiency Waiver designed to eliminate your unpaid net loan balance in the event your investment and pay less than a car dealer would charge ($500 or more!).  GAP relieves you of the responsibility for the remainder of the loan balance the proceeds from your primary insurance policy do not cover.  If your vehicle is deemed a total loss, you may be eligible to receive and the additional benefit of $1,000.*  You may pay for the coverage at the time you apply for your loan or you can finance it as part of the loan.


The Extended Service Contract* protects your vehicle in case of a costly mechanical breakdown.  Benefits include towing, road service and rental with nationwide coverage at an affordable price.  Again, the cost to you will most likely be less than a car dealer's rate.


CARFAX Report® - Don't buy a used car with costly hidden problems.  As a service to you, we can run a CARFAX Report- whether you finance a used car through us or another financial institution for less than you'd pay online or through a dealer.