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Credit Life & Disability Insurance

MCCCU offers two types of optional insurance programs to protect borrowers in the event of death or disability:

Credit Life Protection Insurance reduces or pays off your loan balance if you should die. Features include:

  • $ 50,000 maximum coverage per member.
  • Joint Coverage available for co-borrower.
  • Nominal cost based on monthly outstanding loan balance.
  • Maximum Age to Apply is 69.
  • Maximum Loan Term is 120 months.
  • Coverage terminates at age 70.

Credit Disability Protection Insurance takes over the loan payments (up to the policy maximum) if you should become disabled for 30 days or more, and continues to make payments until you return to work. Features include:

  • $500 maximum monthly benefit per loan.
  • Benefits are paid from the thirty-first day of disability.
  • Nominal cost, based on monthly outstanding balance.
  • Available to Primary borrower.
  • Maximum Age to Apply is 65.
  • Must be working for wages 30 hours or more per week on the effective date of coverage.
  • Maximum Loan Term is 120 months.
  • Coverage terminates at age 70.

Ask for Credit Life and Credit Disability Insurance programs when you arrange your Credit Union financing. Or, call for a cost quote and more information.

Mechanical Breakdown Insurance

Unlike high-priced dealer warranties, The Credit Union’s Mechanical Breakdown Insurance (MBI) offers an affordable, comprehensive warranty program, available for nearly any make and model of car, truck, van and SUV. Our MBI is similar to a dealer’s service contract, but because it’s an insurance policy, it’s regulated and protected by the state of California. Some of the benefits include:

  • Coverage terms tailored to your driving habits.
  • Complete coverage on nearly all parts of your vehicle.
  • 24 hour claim service, 7 days a week.
  • Low premium and deductible options.

Additional benefits such as car rental, hotel reimbursement, roadside assistance, and more are offered. (Some restrictions apply.) And you can take your vehicle to any licensed mechanic in the United States or Canada for repair.

Ask for MBI when you arrange your Credit Union vehicle financing. Or, call for a cost quote and more information.

Guaranteed Asset Protection (GAP Plus)

What Is - GAP? Unfortunately, things don’t always go as planned, and some situations are simply beyond our control. If your vehicle is stolen, accidentally damaged beyond repair, or declared a total loss, your automobile insurance will cover the vehicle’s replacement or market value. There could be a big difference between what your insurance will pay and what you owe on your loan causing a “gap”.

Guaranteed Asset Protection (GAP) is low cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance  on items directly related to the purchase of your vehicle. In addition, GAP Plus coverage also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by Media City Community CU).

Example of How GAP Works:**
Original Loan Balance $30,000
Loan Balance After One Year $25,000
Insurance Settlement After Accident $18,000
Auto Insurance Deductible -$500
Remaining Unpaid Loan Balance Without GAP $7,500
Loan Balance With GAP Coverage $0

GAP Features:

  • GAP is a supplemental coverage and does not replace standard comprehensive, collision, and liability coverage
  • There’s no underwriting, no hassle and for your convenience the amount can be rolled into your monthly loan payment.
  • Loan terms up to 84 months are covered
  • No mileage or year restrictions

Trustage Insurance

This credit union is federally insured by the National Credit Union Administration.
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