Heartland FCU offers three products you can add to your loan to protect you, your family and your budget.
GAP (Guaranteed Asset Protection)
The second you drive your vehicle off the lot, it drops in value. If your vehicle is stolen or damaged and deemed a total loss, you’re responsible to pay the difference between what you owe Heartland FCU and what your insurance company says your vehicle is worth.
A GAP policy can cushion you against sudden out of pocket expenses.
Click on the document icon below to read complete details about our GAP program.
Learn more about GAP
Accidents or illness that result in long-term disability, the eventual loss of a job and income, or death can be devastating to a family’s financial situation. Your employer disability plan typically pays a percentage of the gross monthly income, which may be insufficient to maintain the income needed to pay all your debts and bills.
Here are features we can add to your loan to protect you, your family, and your budget.
Pays off loan balance if borrower passes away
Your loan payments are covered if a disability occurs due to injury or illness.
Your loan payments are covered if a job loss happens.
Click on the document icon to the left to read complete details about our Debt Protections products.
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement to obtain a loan. Certain eligibility requirements, conditions and exclusion may apply. Please refer to the Debt Protection with Life Plus Member Agreement for a full explanation of the terms. If you cancel protection in 30 days, you will receive a full refund of any fee paid.
MRC Can Limit Cost of Repairs
You depend on your car, but big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of any breakdowns. You pay only the applicable deductible, if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow.
Click on the document icon below to read complete details about our Mechanical Repair Coverage.
Learn more about Mechanical Repair Coverage