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Guaranteed Asset Protection (GAP) Plus Deductible Assistance

Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000.

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Our GAP Plus program includes Deductible Assistance, which is designed to provide financial relief when your vehicle is damaged but not deemed a total loss. If repairs cost more than your deductible, the deductible amount is applied to your vehicle loan at the credit union, reducing what you owe.

Contact us today to learn more about adding GAP Plus with Deductible Assistance to your vehicle loan so you can worry less about tomorrow.

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*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.
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.
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Debt Protection

Does your family have a safety net if the unexpected hits? Help protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or loan payments up to the contract maximums so your family can worry a little bit less about tomorrow. It’s simple to apply for Debt Protection. It’s voluntary and won’t affect your loan approval.

Call ProFed at 260-373-1631 and ask about protecting your loan payments today.

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Your purchase of Debt Protection 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 [DP Program Name]. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. Unique ID & Copyright DP-2047957.1-0318-0420 © CUNA Mutual Group 2018, All Rights Reserved
Two women sitting in the trunk of a car on a beach with their hair blowing in the wind and enjoying each other's company. Two women sitting in the trunk of a car on a beach with their hair blowing in the wind and enjoying each other's company.

Mechanical Repair Coverage

The miles can add up, but the repair costs don't have to.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs. Ignoring repairs can be dangerous. Mechanical Repair Coverage (MRC) can help deflect some of those costly covered repairs while keeping your vehicle running extra miles and extra years. With various coverage levels and deductibles to choose from, there’s a plan to fit your family’s budget.

Benefits for covered repairs:

  •  Limit repair costs to your deductible, if any.
  •  Choose your deductible: [$0, $100, $250, or $500].
  •  Rental reimbursement up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one.
  •  24-hour emergency roadside assistance up to $100 per occurrence. Includes towing, battery jumpstart, fluid delivery, flat tire assistance & lockout service.
  •  Travel reimbursement up to $200 per day for 1-5 days for food, lodging & transportation expense, when a covered breakdown occurs 100 miles or more from home. (Not available to NY residents.)
  •  Good at any authorized repair facility in the U.S. or Canada.
  •  No out of pocket expense except any deductible. Plan pays the repair facility.
  •  Transferable to increase resale value. Only if sold privately. Subject to transfer fee.
  •  Cancel for full refund within 60 days. A full refund is available only if coverage is unused in the first 60 days. If used or canceled after 60 days, refund is prorated less administrative fees. Cancellation administrative fees vary by state.

Ask a ProFed representative for details or get a quote by calling 260-373-1631.

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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 WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA , and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. Unique ID & copyright: MRC-2425078.1-0219-0321 © CUNA Mutual Group 2019, All Rights Reserved.

Father and two young boys play on their couch. Father and two young boys play on their couch.

TruStage® Home Insurance

There’s No Place Quite Like the Place You Call Home.  Your home is unique—just like you—and it holds your most treasured memories. Now that’s worth protecting.

 The TruStage® Home Insurance Program helps you safeguard your house—and everything in it—with coverage underwritten by Liberty Mutual Insurance Company, including:
  • Potential savings for ProFed Federal Credit Union members*
  • Covers damage or loss due to fire, weather, theft and more
  • 24/7 claims, even on holidays
Get a free quote today and help make sure the place you call home has the protection it deserves.
 
A Tradition of Strength
TruStage is part of a heritage of faithful service to credit union members spanning more than 80 years. Over 20 million people have selected TruStage for AD&D, life, auto & home insurance and more.

Sign Up!

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency and issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products and features may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations. If your credit union enables this insurance program to be offered, it is entitled to compensation from TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations.
*Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

© TruStage Insurance Agency 2018

A woman in the driver's seat of a vehicle holding keys and giving a thumbs up because she got her first car and her dad is in the passenger's seat smiling. A woman in the driver's seat of a vehicle holding keys and giving a thumbs up because she got her first car and her dad is in the passenger's seat smiling.

TruStage® Auto Insurance

ProFed Federal Credit Union Could Save You Hundreds on Car Insurance. If you haven't gotten a car insurance quote lately, your credit union membership could help you save hundreds of dollars.
 
ProFed Federal Credit Union members may qualify for discounts on car insurance through the TruStage® Auto Insurance Program. You could save big, and it can be easy to switch carriers—without losing any money.
 
TruStage offers a powerful mix of savings and popular, member-friendly benefits:
  • Credit union member discounts*
  • Nationally recognized companies
  • Friendly, 24/7 service—even on holidays
  • Discounts for multiple vehicles, safety features, good driving and more*
  • Mobile app for easy claims
It can be easy to get a free quote today. Don’t wait to see how much you could save.
 
A Tradition of Strength
TruStage is part of a heritage of faithful service to credit union members spanning more than 80 years. Over 20 million people have selected TruStage for AD&D, life, auto & home insurance and more.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency and issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products and features may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations. If your credit union enables this insurance program to be offered, it is entitled to compensation from TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations.  *Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.  © TruStage Insurance Agency 2018

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