(712) 322-0841 |
1900 W. Broadway Council Bluffs, IA 51501 |
Members: Access Your Accounts |
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GAP Insurance — It's a Good Idea!If you finance most of your new vehicle loan or the entire amount, you should seriously consider purchasing Guaranteed Asset Protection (GAP) Insurance from United. At $225 (a one-time-only fee), United’s is the best price in the area. Because new cars depreciate dramatically as soon as they leave the car lot, you may find yourself owing more on the car then its book value in the early stages of paying down your loan. If an accident occurs soon after you buy it and your new car is completely totaled, you will still be responsible for the loan. Your regular insurance will pay you the retail value at the time of the accident, but that might not be enough to cover your loan. GAP Insurance covers that difference between the retail value and what your insurance company covers, which allows you to purchase another new vehicle to replace the new one that was totaled. Not only is United’s GAP Insurance a real bargain, there is an added benefit in how it is applied. If your car is totaled and there is no “gap” for the GAP Insurance to pay, you will receive $1,000 toward your next car, as long as you are financing your next new car with us. So you win either way! Don't be fooled by what the auto dealers offer you for GAP Insurance. Our product offers you the same coverage but at a much lower cost! |
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What You Need
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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government.
Rates are current as of March 2011 unless otherwise noted and are subject to change.
APY = Annual Percentage Yield
APR = Annual Percentage Rate
© 2011 United Credit Union