Loan Protection

GAP Insurance

Y-12 FCU is pleased to inform members that we offer Guaranteed Asset Protection (GAP) on all of our vehicle loans. If you total your vehicle or if it is stolen, GAP can help eliminate the difference of what you owe on the vehicle and what your insurance company will cover. It may also pay $1,000 towards a new auto (excludes motorcycles) if you finance with Y-12 Federal Credit Union within 90 days of your insurance claim.

GAP is often costly, but when you get your vehicle loan with Y-12 FCU, pricing begins at $499 subject to vehicle and amount financed (some exclusions apply). Once purchased, GAP coverage extends through the life of the loan. If you are purchasing from one of our 100+ dealership partners in our Participating Dealership Program, you may also purchase Y-12 FCU GAP in your vehicle transaction. Just let the dealer personnel know you wish to purchase Y-12 FCU GAP.

Loyalty Rewards logo This product is eligible for Loyalty Rewards redemption1.

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Extended Warranties

The miles can add up but the repair costs don’t have to.

Route 66 can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels, there’s a plan to fit your vehicle.

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 it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program2:

  • Good at any ASE certified mechanic in the U.S. or Canada

  • Rental reimbursement: up to $50 per day for 5 days.

  • 24-hour emergency roadside assistance: up to $50 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.

  • Travel expense reimbursement: up to $375 ($125 per day up to 3 days) for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.

  • Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee, adding resale value and appeal.

  • Cancelable: receive a full refund within the first 30 days or a pro-rated refund thereafter less any claims to date.

  • No out of pocket expense at time of mechanical repair: (except for fluids, filters, shop fees, diagnostics and any repairs not covered by the policy) the covered repair is paid directly to the authorized repair facility by the plan.

Loyalty Rewards logo This product is eligible for Loyalty Rewards redemption1.


Get a quote today!

1. Qualifying credit union product: Includes GAP, and Warranty.
2. Program details may vary by state.