Routing Number: 307070021

Vehicle and Loan Protection

Accidents happen. Cars breakdown. If there’s one thing that’s certain about the future - you can't predict what will happen. With vehicle coverage and loan protection options, you'll have peace of mind knowing you're prepared for when life throws you a curve ball. 

Mechanical Breakdown Protection 

Your vehicle is a big financial commitment. An extended protection plan makes sure you get the most out of your investment by providing protection from unexpected repair costs caused by mechanical or electrical failure, which can add up to thousands of dollars over the life of your protection plan.

Mechanical Breakdown Protection (MBP) is an extended protection plan that helps you enjoy worry-free driving with nationwide coverage, 24-hour emergency roadside assistance, and rental car assistance. Plus, you can transfer coverage - a nice incentive if you decide to sell your car before the protection plan expires.

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Guaranteed Asset Protection

If your vehicle is totaled in an accident, most insurance companies will only pay its cash value. If you’re still making payments on your vehicle and the current balance of your loan is above your vehicle’s cash value, you’re typically liable for the difference. That can amount to thousands of dollars.

GAP protection can waive all or a part of your remaining loan balance. In some states, GAP can even cover a portion of your deductible as well! This is subject to some limitations and exclusions, including a maximum loan to value ratio. Your loan to value ratio is the original amount you financed for your loan compared to the value of your vehicle at the time of your loan. GAP will only waive the part of your remaining loan balance below the maximum loan to value ratio.

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Debt Protection

When you or a member of your family has to miss work because of an unexpected event, the last thing you need to worry about is how to afford your loan payments. With Debt Protection, you may suspend your loan obligation without penalty or added interest in the event of a major life event. Covered events include death, disability, or involuntary unemployment.

Please review your AAFCU Debt Protection Program Agreement or Product Reference Card for full details and qualifications.

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