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Merced School Employees Federal Credit Union Homepage

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Loan Protection

Merced School Employees Federal Credit Union
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Need Protection? We got it!

We hope you won’t need it, but just in case you do we offer a few ways to protect your finances should something happen to you or your MSEFCU financed vehicle.
 

 

Credit Disability Insurance

Protect your finances in the event of an injury or illness that prevents you from being able to work.
The credit union offers Credit Disability Insurance. For details see a loan officer, e-mail us or call 209-383-5550 or 800-542-2345, ext. 141 or 142.
 

Credit Life Insurance

We hope you’ll always be there to take care of your family, but unfortunate things can happen. Make sure your family will be ok without you. The credit union offers Credit Life Insurance. For details see a loan officer, e-mail us or call 209-383-5550 or 800-542-2345, ext. 141 or 142.
 
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 representative, or refer to the Policy Agreement for full explanation of the terms. CDCL 0212-B1B3.
 

Guaranteed Asset Protection (GAP)

Should your car be declared a total loss, either due to theft or damage in a collision, your insurance company will pay the actual cash value for the vehicle at the time of the loss. If the balance on your loan is more than the cash value of the vehicle, you are liable for the remainder. GAP and GAP Plus will help pay that difference.
 
The benefits of GAP Plus are:
 
  • Offers protection for new and used vehicle loans.
  • Protection is provided for the term of your loan up to 84 months.
  • Protection is applicable for vehicles valued up to $100,000 at time of purchase.
  • Benefits are paid up to $50,000.
  • Deductible Assistance.
  • Deductible protection up to $1000.
  • Protection is effective with the execution of all documents.
  • GAP Plus is designed to cancel up to $1,000 from your replacement vehicle loan if you finance with us within 120 days of receiving the insurance settlement check.
Your purchase of MEMBER'S CHOICE™ Guaranteed Asset Protection (GAP) 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-1516226.1-0616-0718

 
 
 
 
 
 
 
 

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