GAP Plus & MRC
Protect your vehicle and your finances with additional coverage.
Guaranteed Asset Protection (GAP) Plus with Deductible Assistance
Financial protection for what your auto insurance may not cover.
If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may help you make up the difference.
Our GAP Plus program includes Deductible Assistance designed to provide financial relief when your vehicle is damaged but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.
Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
GAP-3674049.1-0721-0823 CUNA Mutual Group ©2021, All Rights Reserved.
Mechanical Repair Coverage (MRC)
Protection against unexpected vehicle repairs.
A breakdown can be troubling enough without the added worry of expensive repairs. MRC may help limit unexpected repair costs saving you thousands.
Enjoy many valuable benefits, including:
- No out-of-pocket expense (except any deductible): Plan pays repair facility directly.
- 24-Hour Emergency Roadside Assistance: Up to $100 per occurrence. Includes towing, battery jumpstart, fluid delivery, flat tire assistance, and lockout service.
- 3 Plans: Choose the plan that’s right for you
Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.
Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.
MRC-3674056.1-0721-0823 CUNA Mutual Group ©2021, All Rights Reserved.
Add GAP Plus or MRC to any current or new CMCU loan or application.
New Members: Complete an application online.APPLY NOW
Current Members: Apply in Digital Banking.LOGIN NOW
Central Minnesota Credit Union has 21 branches to serve you as well as access to 24,000 ATMs across the United States with MoneyPass.
Talk to a CMCU team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM
Monday - Thursday: 8 AM - 6 PM
Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM