GAP

The last thing you want to think about is a total loss on your new vehicle…but you should!

This product helps members bridge the "gap" between the amount they owe and the amount the insurance company pays if a vehicle is stolen or totaled.

Eligible vehicles include:

  • Automobiles (including light trucks and vans)
  • Motorcycles
  • Snowmobiles
  • ATVs
  • Recreational Vehicles
  • Watercraft (including jet skis)
The benefit amount is calculated as the difference between the actual cash or market value of the vehicle (as established by the member's insurance company) and the loan or lease pay-off amount. It includes the member's insurance deductible up to $1,000.00. GAP Plus also pays a $1,000.00 credit toward the purchase of a replacement vehicle financed at the credit union. This product also includes a feature called Auto Deductible Reimbursement (ADR) which pays up to $500.00 per loss (unlimited losses per year for up to three years) when a loss is filed and paid by the auto insurance company for a covered auto the member owns or leases, evidenced by the title or registration. The fee for a GAP contract can be conveniently added to the member's loan contract. Ask a Loan Officer for full details.

CU Certified Protection

This product provides the security that you can afford service on your vehicle when you need it.

CU Certified Automotive is a vehicle service agreement. This protection covers costs of parts and labor by a Certified Mechanic (other than normal wear and tear). There are different options dependent on the vehicle being financed.
  • Vehicle Protection
  • International Acceptance
  • Diagnostic Coverage
  • Rental Reimbursement
  • Trip Interuption
  • Tire & Wheel
  • Optional Enhancements for plows, lift kits, etc.
Powertrain 500+ Standard 850+ High-Tech 3,000+
Engine: internally lubricated parts contained within the engine, including pistons, piston rings and pins, connectingrods, connecting rod bearings; crankshaft, crankshaft main bearings, camshaft, camshaft bearings, cam followers, timing chain, timing gears, rocker arms, rocker shafts, rocker bushings, valves, valve guides, valve lifters, valve springs, valve seals, valve retainers, push rods & oil pump, water pump, dipstick and tube, harmonic balancer, an oil pan. Turbo Charger/Super Charger (factory installed only): internally lubricated parts contained within housing, plus housing. Transmission: (Automatic & Standard) internally lubricated parts contained within the Transmission Case and the torque converter, vacuum modulator, transmission mounts, oil pan. Transfer Case: internally lubricated parts contained within the transfer case. Drive Axle (Front & Rear): internally lubricated parts contained within the Drive Axle, plus; locking hubs, drive shafts, universal joints, Constant Velocity Joints (unless failure was caused by torn/contaminated C.V. Boot) and axle bearings, oil pan. Note: any part not specifically listed above is not covered. The standard package includes everything covered under Powertrain plus these items. Air Conditioner: compressor, compressor clutch and pulley, condensor, evaporator, Iidler pulley and idler pulley bearing. The following parts are also covered if required in connection with the repair of a covered part above: accumulator/receiver dryer, Oorifice tube, oil and refrigerant, expansion valve, POA valve, and hi-low pressure cut off switch. Front Suspension: upper and lower control arms, control arm shafts and bushings; upper and lower ball joints; king pins and bushings; stabalizer shaft linkage and bushings, spindle and spindle supports. Steering: internally lubricated parts contained within the steering gear box; power cylinder, rack and pinion gear and power steering pump, plus pitman arm; idler arm; tie rod ends and drag link; upper and lower steering column shafts and couplings, and steering box. Brakes: Mmaster cylinder; power brake cylinder; vacuum assist booster (excluding Hydro Boost system), disc brake calipers; wheel cylinders; compensating valve; metal hydraulic lines & fittings. Electrical: alternator, voltage regulator, starter motor; starter solenoid and starter drive, wiper motor (s), wiper motor relay(s) and delay switch(es). Manually operated switches and wiring harnesses. Seals and Gaskets: stand alone seals and gaskets are covered for all components listed in Standard. Note: Any part not specifically listed above is not covered. The High-Tech package includes everything covered under Powertrain & Standard plus these items: Additional Electrical: power window motors, power seat motor, convertible top motor (excluding Regulators and Frame), power sunroof motor (excluding regulators and frame), power door lock actuator, power antenna motor, digital/analog instrument cluster; mileage computer, electronic combination entry system; computerized timing control units; electronic cruise control module. ABS Brakes: hydraulic control unit; electronic control processor; wheel-Speed sensors/exciters; hydraulic pump/motor assembly. Front and Rear Suspension: MacPherson struts; shackle and eye shafts and bushings; torsion bars and bushings; wheel bearings and seals; automatic leveling unit compressor, sensor and limiting valve. Cooling: radiator; fan and fan clutch; themostat; engine cooling fan motor; and heater Core. Fuel System: electronic fuel injection sensors; control units; electronic fuel delivery pump; and injectors; vacuum pump; throttle position sensors; oxygen sensor; and metal fuel delivery lines. Air Conditioner: expansion valve; dryer tank; accumulator; POA valve; hi-low pressure cut-off switch; ducts and outlet hoses (interior); automatic temperature control programmer. Interior/Exterior: glove box, door and hinge; manually operated seat tracks; interior and exterior door hndles; door hinges; map/courtesy light assembly (not bulbs); hood. Seals and Gaskets: stand alone seals and gaskets are covered for all components listed in HighTech.

Insurances

Insure your assets with insurance products you can trust!

Home/Auto Insurance

As a member of Community Credit Union, you may qualify for a discount on your home and auto insurance. Community Credit Union has teamed up with a local insurance agency to assist in saving you money. If you're interested in seeing if they can save you money with a discount because you're a member of Community Credit Union, please contact the following agencies: Maine Insurance Online You could save $950 on auto & home insurance

Accidental Death & Dismemberment (AD&D) Insurance

$4000.00 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours. Have you claimed your no-cost accident coverage? One of the nice benefits of your Community Credit Union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from TruState Insurance Agency. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life. You can get $4000.00 of coverage, paid for by your credit union, and provided by TruState Insurance Agency. You can also get up to an additional $300,000.00 AD&D coverage from TruStage at affordable rates. Sign up for your no-cost or additional protection today. TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. *Your Credit Union helps maintain this program and is entitled to compensation from TruStage for doing so. The insurance offered is not a deposit and is not insured by the NCUSIF or guaranteed or underwritten by your Credit Union. Any person who knowingly and with the intent to defraud any insurance company or other person files an application for insurance or statement of claim containing and materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. Available to Credit Union members age 18 and over.

Life Insurance

TruStage™ Life Insurance Plans Life insurance designed to help protect your family's future. Exclusively as a member of Community Credit Union, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage. Learn about this important coverage or call 855-612-7909 for more information. TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Payment Protections

With debt protection you don’t have to worry about unexpected life events damaging your repayment record.

Payment Protection is a form of debt protection. This is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. The credit union offers a Debt Protection Plan through TruStage Insurance Agency which provides a voluntary payment protection product that can provide financial assistance to cover your loan balance or monthly payment(s). Protected events include: loss of life, disability or involuntary unemployment. Simple eligibility requirements help ease the enrollment process.