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Better protection. At a Lower Cost.

MEMBERS CHOICE™ Borrower Security

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), PremierOne Credit Union will cancel or reduce repayment of your loan debt—helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging.

What are Life Plus Protected Events?:

  • Life
  • Accident Dismemberment
  • Terminal Illness
  • Family Medical Leave
  • Hospitalization
  • Loss of life of a non-protected Dependent

*MEMBER’S CHOICE™ Borrower Security is a debt protection product offered by PremierOne Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact a PremierOne Credit Union Relationship Officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract. First Mortgage loans are not eligible for this debt protection product. Some home equity loans are available.

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP) offers protection against financial liability in the event the vehicle is totaled or stolen and never recovered. It's designed to eliminate or reduce your "out-of-pocket" expense for the remaining loan balance after loss settlement, and also makes purchasing a replacement vehicle easier. For just $599, Guaranteed Asset Protection (GAP) is now available for most Vehicle, Motorcycle, RV, Boat, Motor Home and Jet Ski loans.** 

Benefits of GAP:

  • Available for new and used vehicles
  • May also cover up to $1,000 of your deductible if there is a “gap” after the primary insurance settlement is paid. Not available in NY or AK.
  • GAP Cost: $599
  • Covers up to $50,000
  • GAP covers the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum 130% LTV (RV, Boat & Motor Home 125% LTV)
  • Asset Deductible Reimbursement (ADR) is complementary with GAP (if applicable)

Get a Quote or More Details

**Please see a Relationship Officer for complete details.

Mechanical Breakdown Insurance

Mechanical Breakdown Insurance (MBI), is similar to an extended warranty from a dealer, except it may cost less for the same or better coverage. It is available for both new and used automobiles, has low deductibles, and allows you to go to the licensed repair facility of your choice in the United States and Canada.*** 

Benefits of MBI:

  • 24/7 Emergency Roadside Assistance & Towing
  • Rental Car Allowance
  • Free Look Period – 60 Days
  • Consequential Damage Coverage (Elite & Enhanced Plans ONLY)
  • Key Replacement

Get a Quote or More Details

 Depreciation Protection

Depreciation Protection (DPW) protects your vehicle equity and hedges against depreciation over the life of the loan. In the event of a total loss, DPW provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of loss up to a maximum waiver benefit of $10,000, or the outstanding loan balance.

Benefits of Protection:

  • Protection for collision
  • Life-of-loan Protection
  • No mileage or year restrictions
  • Protection for theft and fire
  • 100% open enrollment
  • Protection for vehicle depreciation

Get a Quote or More Details

Additional Educational Resources:


Contact us for more information or to open an account.

**GAP disclosures: Your purchase of GAP is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP. This information will include a copy of the GAP Waiver Addendum which will contain the terms and conditions of GAP benefit. GAP eligibility requirements, conditions, and exclusions: There are eligibility requirements, conditions and exclusions that could prevent you from receiving GAP benefits. You should carefully read your GAP Waiver Addendum Form for a full explanation of the benefits, rules, terms and conditions of the program. This webpage is not a contract. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. GAP is subject to limitations and exclusions, including but not limited to a loan-to-value (LTV) maximum.

***Mechanical Breakdown Insurance is offered through Automobile Protection Corporation - APCO.

New Auto*


24-Month IRA Share Certificate*


Home Equity Line of Credit*




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