Insurance & Warranties

NAE Federal Credit Union can offer you great insurance products on your new loan for way less than the dealer!

Debt Protection Insurance

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your 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. Protect your loan payments today so you can worry a little less about tomorrow. 

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply.

GAP (Guaranteed Asset Protection) 

What is GAP (Guaranteed Asset Protection)? GAP helps cover the difference between the actual cash value of your vehicle (the amount your insurance company will give you if the vehicle is considered a "total loss") and the outstanding loan balance on your vehicle. For example, if you finance $15,000 on your vehicle for 60 months, your vehicle could depreciate more quickly than the loan balance decreases. If this happens, you will be "upside down" on your loan and owe more than your vehicle is worth. If your car is wrecked and declared a total loss, not only will you need to purchase a new vehicle, but you could still owe a lot of money on the old one! GAP helps by significantly decreasing or even eliminating any residual balance! For a one-time charge, you can protect your loan.

Plus, Visual GAP, NAE Federal Credit Union's provider, allows us to add GAP to your loan after the fact. GAP can be purchased any time after loan origination as long as you have not experienced a total loss due to collision or theft. However, GAP is not retroactive and goes into effect the day the GAP is purchased and covers the remaining term and balance of your loan. Speak with a NAE Loan Officer for more information regarding GAP.


Extended Warranty Coverage

NAE Federal Credit Union can also offer you Mechanical Breakdown Insurance through our partnership with Vision Warranty Corporation. Vision has been in the warranty business for 23 years and provides factory type coverage on vehicles 11 years old and newer. Vision offers 3 levels of coverage to choose from and the option to add 12, 18, 24, 36, 48, or 60 months of additional coverage to your vehicle at significant savings compared to what a dealership may charge for the same level of service. Call NAE today and let us work up a quote for you.

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