Additional Services

GCFCU offers additional products and services to protect your property with exclusive member discounts.

Credit Life and Credit Disability

Credit Life insurance reduces or pays off your outstanding loan balance, up to the policy maximum, if you were to die before paying off the loan.  Credit Disability makes your monthly loan payments, up to the policy maximum, should you become totally disabled due to a covered illness or injury.

Vehicle Service Agreement (Extended Warranty)

Vehicle Service Agreement – We offer you a variety of comprehensive and flexible warranty programs. You can choose from the following plans and it can be included in your auto loan.

Premier Platinum Coverage (Named Exclusion Coverage)

Provides the most comprehensive named exclusion coverage available on the market today at an affordable cost. Coverage follows most manufacturer’s warranties and guidelines that originally came with your vehicle. Platinum coverage is designed to extend the original full factory warranty and in some cases may even enhance it. Additional benefits such as car rental, roadside assistance, trip interruption protection and towing are also included. KeyGuard, coverage for new, expensive key fobs and Accidental Loss Refund is optional.

Premier Gold Coverage (Named Component Coverage with Wear & Tear)

A named component plan for both new and used vehicles that provides an exceptional value in vehicle service protection. Coverage includes all powertrain components, as well as most major mechanical and electrical systems. Additional benefits such as car rental, roadside assistance, trip interruption protection and towing are also included. KeyGuard, coverage for replacement of new, expensive key fobs and Accidental Loss Refund is optional.

Premier Bronze Coverage (Named Component Coverage with Wear & Tear)

A named component plan for used vehicles only and not under factory powertrain warranty. Coverage includes all powertrain components, as well as most major mechanical and electrical systems. Additional benefits such as car rental, roadside assistance, trip interruption protection and towing are also included. KeyGuard, coverage for replacement of new, expensive key fobs is and Accidental Loss Refund optional.

Guaranteed Asset Protection (GAP) Insurance

Guaranteed Asset Protection coverage pays the difference between the scheduled principal balance on your auto loan and the actual cash value (ACV) of your vehicle.

What is GAP Coverage?

GAP pays the difference between the outstanding scheduled principal balance and the vehicle’s actual cash value, determined by your primary auto insurance carrier, on your auto loan in the event of total loss or theft. GAP covers up to $1,000 of the borrower’s deductible if there is a “GAP” after the primary insurance settlement is paid.

Power Sports Mechanical Protection

Our extended Powersports warranty programs protect the essential components of your motorcycle, ATV, snowmobile or personal watercraft from the high cost of repair or replacement. Additional benefits for on-road motorcycles only include substitute transportation, roadside assistance; trip interruption protection and towing are also included.