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Debt Protection/GAP/MRC

Debt Protection

Does your family have a safety net if the unexpected hits?
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 payments up to the contract maximums. Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow.

Ask your Loan Officer to protect what matters most to you.

GAP Protection

Will you owe more on your vehicle loan than your vehicle is worth?
A wrecked vehicle can wreck your finances if you owe more on your loan than your insurance will pay.
Guaranteed Asset Protection is like an airbag for your vehicle loan.

Our Guaranteed Asset Protection (GAP) program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss. It can help cushion you and your family against sudden out of pocket expenses. Get GAP today so you can worry a little less about tomorrow.

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 likely there will be a breakdown. The cost of those breakdowns increases as the vehicle gets older. 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.

Contact us to learn more about our coverage options.

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2500 Perryton Pkwy
Pampa, Texas 79066-0920

Phone: (806) 665-0057
Fax: (806) 665-0533

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What Is An Equal Housing Lender?

As an Equal Housing Lender, Certified Federal Credit Union does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Under this Act, financial institutions are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap or familial status. Under the Federal Fair Housing Act, it is illegal to:
  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property
on the basis of race, color, religion, national origin, sex, handicap or familial status.

Your funds are safe at your federally insured credit union.

All credit unions provide insurance to their members from the National Credit Union Administration (NCUA ), an independent agency of the federal government. This means that your money deposited in a federally insured credit union is insured up to $250,000, similar to the insurance provided by the FDIC (Federal Deposit Insurance Corporation) to banks.

The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA.