Guaranteed Asset Protection

What is Guaranteed Asset Protection?
Guaranteed Asset Protection (GAP) helps pay the difference between a vehicle’s actual cash value and the member’s loan balance according to provisions and conditions set forth in the waiver.

How will it help you?
Many members don't understand they are at risk. GAP helps cushion the impact of unexpected expenses and provides financial security in the event of an accident. If your vehicle is stolen or damaged beyond repair, GAP helps take care of the difference between the insurance settlement and the remaining loan balance.

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Mechanical Repair Coverage

What is Mechanical Repair Coverage?
Mechanical Repair Coverage (MRC) protects new and eligible used vehicles—even after the manufacturer’s warranty expires. This is valuable because members are holding on to their vehicles longer and have longer loan durations.

How will it help you?
MRC helps deliver peace of mind in an uncertain economy. It also helps you minimize the impact of unexpected repair bills which is especially helpful when you have little or no back-up savings.

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Credit Life & Disability

What are the different types of Credit Insurance?

» Credit Life - Pays off or reduces the eligible loan balance in the event of member’s death.

» Credit Disability - Makes loan payment(s) up to policy maximum in the event of total disability caused by covered injury or illness .

» Single Credit Disability - Covers loan payments if a primary income earner, who is a borrower on a loan, becomes totally disabled.

» Joint Credit Disability - Covers loan payments if dual-income earners, who are co-borrowers on a loan, become totally disabled.

How will it help you?
With Credit Insurance, if the unexpected was to occur, you would be able to:

• Keep paying bills - If income is lost or reduced during times of financial hardship, payments for covered assets are made, freeing up income to pay other household bills.


• Save financed assets - A family’s standard of living is preserved, your savings account isn’t depleted, and your financed assets are saved.


• Maintain their credit rating - A member's credit rating is protected by ensuring loan payments are made on financed assets—the ability to get future credit is not compromised.

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MEMBERS^® Auto and Homeowners Program

You trust River City Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

• MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
• Convenient e-service, pay your bill or make changes to your policy, even report a claim.
• Receive fast, easy access to claims service 24-hours a day.
• Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

MEMBERS^® Life Insurance Products

Keep your family’s welfare protected. River City FCU has partnered with CUNA Mutual Insurance Society to make available Term and Whole Life Insurance products that are designed to meet your needs and budget.

Term Life Insurance is designed to provide you with protection for a specified period of time, typically one, five, ten or twenty years. For instance, term insurance can help ensure that your family will be able to pay off the mortgage, pay ongoing living expenses, or fund college education costs if you die prematurely while you still have outstanding debts or while your children are young.

Whole Life Insurance offers coverage for your entire life, unlike term insurance. In addition, it accumulates cash value, which is accessible in the form of loans or withdrawals. So whole life can represent a future source of money as well as protection. The premiums remain the same throughout your lifetime.

Insurance products are provided by third parties,
are not NCUA/NCUSIF insured, and are not Credit Union guaranteed.

MEMBERS^® Accidental Death & Dismemberment Insurance Products

River City Federal Credit Union has made special arrangements with CUNA Mutual Insurance Society to provide all of our eligible* members with $2,000 of Accidental Death and Dismemberment Insurance without cost to members. When you call to apply, tell them you are a member of River City FCU, and you will be enrolled in the program over the phone in minutes.

In addition to this $2,000 of free coverage, you may also apply for additional benefits available through CUNA Mutual. For an affordable rate, you can get up to $300,000** of accident protection. No medical exams are required and coverage is guaranteed as long as premiums are paid. In addition, AD&D provides the following benefits**:

• Affordable premiums
• Family plans that insure you, your spouse and children
• Double benefit payment for covered loss while a passenger on public transportation
• Built-in inflation protection
• College funding assistance when a covered accident occurs
• Coverage if you lose a limb, your sight or hearing in an accident

Protect yourself and your family; enroll in Accidental Death and Dismemberment coverage today!

For more information on your Accidental Death and Dismemberment Insurance:

* To be eligible, members must be 18 years of age or older.
** Benefits described may vary by state and products available.

Insurance products are provided by third parties,
are not NCUA/NCUSIF insured, and are not Credit Union guaranteed.