Other Services

NCUA share Insurance

Your shares are insured by the National Credit Union Administration up to $250,000 depending on the type of account. Read about how your accounts are insured. 

Accidental Death & Dismemberment (AD&D) Insurance

We have partnered with AIL Life Insurance company for our $2,500 AD&D coverage. This coverage is free to all members in good standing. AIL Life Insurance company offers all types of life insurance. They also offer Supplemental Health insurance like cancer protection, critical illness and hospital indemnity insurance. AIL has agents all over the country.

You may occasionally receive a letter and beneficiary card from AIL. If you have already returned a beneficiary card previously you do not need to return another card unless you would like to speak with an agent about other insurance coverages. You DO NOT have to meet with any agent to keep your free AD&D coverage. If you do not want to be contacted just let the agent know you are not interested in any additional insurance when they reach out to you.

Should have you have any questions or concerns regarding the letter, benefits, etc., please feel free to contact Kelly Walker with American Income directly at: 828-773-3587 or kdwalker@ailife.com.

Notary Services

We provide no cost notary services for our members. Just stop by the credit union office no appointment is needed.

Loan services

Debt Protection Coverage (DPC)

Debt Protection coverage is voluntary and not required to obtain a loan. Debt Protection Coverage is available in single life only, joint life only (must have a joint borrower on loan contract), disability only or a life and disability coverage. If disability coverage is elected only the primary borrower is covered, even if joint life is elected.

If you elect to add Debt Protection Coverage to your loan, you authorize the credit union to add the charges for DPC to your loan. You are eligible for DPC up to the maximum age for DPC. Debt Protection Coverage will stop when you reach that age. The maximum loan amount is $100,000 and the maximum monthly payment is $1,000.

As part of the loan application process, you will need to complete a health questionnaire to verify coverage eligibility.

Your purchase of DPC, underwritten by Central States of Ohio Insurance Company, and/or Guaranteed Asset Protection (GAP), administered by Warranty Solutions, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan officer for a full explanation of the terms of GAP, DPC. Mechanical Repair Coverage is administered by American Mercury Fire Insurance Company.

Guaranteed Asset Protection (GAP)

In the event that your vehicle (car, van, light truck, SUV) is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, your insurance company pays its interpretation of the value of the vehicle at the time of loss.

GAP cancels the difference between the primary auto insurance carrier’s settlement and the outstanding loan balance at the time of loss. Subject to coverage limits and terms, late payments and skip payments are not covered.

Extended Warranty

Mercury's Mechanical Breakdown Protection Plans extend coverage to many mechanical and electrical components in your vehicle, depending on the plan selected. Coverage is transferable (a small fee applies) if you sell your vehicle before your agreement expires providing added resale value.

MERCURY MAKES IT EASY FOR YOU!

  • Repairs can be done at any licensed U.S. or Canadian repair facility

  • No limit to the number of claims and no deductible (depending on plan selected)

  • All claims are handled directly by Mercury, not a third-party administrator, with direct payments by credit card to repair facilities

  • Enjoy savings up to 50% or more off dealer extended warranties

  • Easy to Understand Coverage. Coverage limits are determined by contract time or miles. Simply add the covered miles to the starting odometer miles on your agreement and you know how long you're covered

  • Fast Quote is a true $0 deductible program, no hidden costs (depending on plan selected)

  • Fast Quote is transferable one-time for a small fee

  • Fast Quote has a 60-day free look period

  • No out-of-pocket expenses for covered repairs - simply call Mercury Claims and one of their ASE certified claims representatives will handle the rest

*** Certain restrictions and availability apply - see agreement for more details

Loan Skip Payments

We offer loan skip payments to members. You may skip up to two months of payments per loan per calendar year. There is a fee to skip a payment, loans must be current and other conditions apply. Contact a loan officer for details.

Disclaimer

Your purchase of Debt Protection Coverage (DPC), underwritten by Central States of Ohio Insurance Company,  Guaranteed Asset Protection (GAP), administered by Warranty Solutions, and/or Mercury Extended Warranty, underwritten by American Fire Insurance Company, is optional and will not affect your application for credit or the terms (except for payment amount) of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan officer for a full explanation of the terms of GAP, DPC. Extended Warranty Coverages.