Other Services
Insurance
Sometimes you need a little insurance. Our insurance services include GAP insurance, TruStage auto, home, and life insurance as well as AD&D. Click on the tabs below to find out more about our products.
Guaranteed Asset Protection (GAP)
If your vehicle is totaled in an accident, or stolen and not recovered, the insurance settlement is based on the actual cash value of the vehicle, not the outstanding loan balance. This could create a loan “gap”—money you owe on the loan after the insurance company pays its portion. GAP covers the difference between the outstanding loan amount and the actual cash value and covers up to $1,000 of your deductible.
What is a qualifying vehicle?
New and used automobiles, trucks, and SUVs no more than eight years old, titled individually, with coverage up to 125% MSRP. GAP is not available on consolidation loans.
How much does it cost?
The flat enrollment fee of $499 can be financed as part of your loan. You get a full refund if canceled within 60 days of enrollment. Many car dealers charge $1000 for the same protection.
How do I submit a claim?
Claims can be submitted at your local branch, by mail, or by calling 615-786-0452.
- Processing time is usually within five days of receiving all documentation
- Maximum claim amount is $50,000
Note: GAP cannot be transferred from one vehicle to another. GAP protects up to 125% of the actual cash value of the vehicle.
For new loans: GAP can be added during the initial online loan application process, or within 30 days of closing, in person at a branch or by phone.
For existing loans: Call us at 615-786-0452.
TruStage Accidental Death & Dismemberment (AD&D) insurance can help protect you and your family when the unexpected happens. Unlike life insurance, it covers you in the event of an injury that results from an accident. AD&D can be a helpful safeguard against the burden of costs associated with injury or death from an accident by providing you and your family with funds when you need them most.
You can sign up in just a few minutes with no health questions and no medical exam.
AD&D can help you prepare for future expenses, whether they’re hospital bills, your mortgage or even your kids’ college funds. Your AD&D insurance benefits can be there for them even if you can’t be.
We’re here to help you prepare for the unexpected. Enroll in AD&D insurance today.
Credit union members may qualify for special discounts on car insurance. Homeowners insurance helps protect your home (and what’s inside) against loss from fire, theft and more. Combine your coverage with another car or home policy, and you could save even more.
Discount for credit union members. The TruStage Auto & Home Program gives you access to instant quotes and a potential discount. And you could save even more if you combine policies.
Get free quotes from a licensed agent. Just friendly, helpful advice with no sales pressure.
It can be easy to switch. Get help changing companies so you don’t go a day without coverage or lose a penny—even if your current policy is paid up.
Any amount of life insurance can make a difference, and it can cost less than you think. Life insurance could help give you peace of mind today and provide income-tax free money for your family if you die. It could ease the burden of expenses you might leave behind like funeral costs, mortgage payments or unpaid debts.
Life insurance should be simple and affordable. We’ll help you compare whole and term insurance, and explore affordable options so you can make a good decision today for your family.
It’s easy to get instant quotes. Start with a monthly payment that fits your budget and see options in minutes online. Or talk to a licensed agent for friendly, no-pressure advice.