Protecting Family & Assets
You can’t predict life changes that unexpectedly impact your finances.
Rates as low as 4.25% Annual Percentage Rate (APR)
Drive in for savings on new or new-to-you auto loans.
You can’t predict or prevent a debilitating or life-threatening event. But you can prepare for it. That’s why the Credit Union provides various insurance and protection services to help you plan ahead.
Protecting Property
We offer a number of solutions when it comes to covering some of your most important assets:
- Extended Vehicle Warranty — Most major car repairs occur after the factory warranty period ends. A Vehicle Service Agreement (VSA)* can reduce or even eliminate the financial burden from unexpected and high-cost repairs. Check with a Credit Union representative regarding your options or get a FREE Quote online. Benefits include, but are not limited to:
- 60-day cancellation with 100% refund minus any authorized, pending or paid claims
- Towing up to $100 (max per claim)
- Car rental up to $500 ($50/day up to 10 days)
- Trip interruption expenses up to $300 ($100/day up to three days)
- Powersports warranty option available for motorcycles, All Terrain Vehicles (ATVs), personal watercraft and snowmobiles
- TruStage™ Auto & Home Insurance Program — The TruStage™ Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
- Travelers Auto and Home Insurance Program — Members can get quality auto, home, condo, and renters insurance with a savings advantage not available to the general public from Travelers. Call 844-804-6995 to speak to a Travelers licensed insurance representative.
Protect Your Loans
If your vehicle is stolen, accidentally damaged beyond repair or otherwise declared a total loss, you may be liable for the difference, or the “gap” between your insurer’s settlement and your loan balance. Sign up for Guaranteed Asset Protection (GAP)** when you apply for your vehicle loan with a Credit Union Representative.
Benefits include, but are not limited to:
- Coverage of up to $1,000 in insurance deductibles
- Eligibility for as many as five skipped payments
- Available on loan terms up to 84 months and up to 125% LTV
Protecting Family
- TruStage™ Accidental Death and Dismemberment (AD&D) — Financial hardship is one thing your family doesn’t need to worry about if unexpected death should occur. AD&D insures you if you lose your life or a limb in an accident.
- Other services to consider: Designating beneficiaries payable on death (POD) on your accounts.
Credit Life
Credit Life insurance protects your loved ones in the unfortunate event of untimely death. It’s designed to reduce or pay off a loan balance (up to the policy maximum) if you pass before the loan is repaid. One of the great features of this product is the maximum total benefit in the amount of $100,000 per loan, versus the standard $50,000 per loan with other credit unions. If this makes sense for you, speak with a Credit Union representative today.
- Available on auto and personal loans and credit cards.
Credit Disability
When injuries and accidents occur, it can help ease the family’s financial burden. Take a moment to consider whether you will need assistance in making your loan payments if you were temporarily out of work due to a covered injury or illness. We require only 20 active hours at work compared to the standard 25 hours required by other credit unions. If this makes sense for you, speak with a Credit Union representative today.
- Available on auto and personal loans and credit cards.
Protecting Property
We offer a number of solutions when it comes to covering some of your most important assets:
- Extended Vehicle Warranty — Most major car repairs occur after the factory warranty period ends. A Vehicle Service Agreement (VSA)* can reduce or even eliminate the financial burden from unexpected and high-cost repairs. Check with a Credit Union representative regarding your options or get a FREE Quote online. Benefits include, but are not limited to:
- 60-day cancellation with 100% refund minus any authorized, pending or paid claims
- Towing up to $100 (max per claim)
- Car rental up to $500 ($50/day up to 10 days)
- Trip interruption expenses up to $300 ($100/day up to three days)
- Powersports warranty option available for motorcycles, All Terrain Vehicles (ATVs), personal watercraft and snowmobiles
- TruStage™ Auto & Home Insurance Program — The TruStage™ Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
- Travelers Auto and Home Insurance Program — Members can get quality auto, home, condo, and renters insurance with a savings advantage not available to the general public from Travelers. Call 844-804-6995 to speak to a Travelers licensed insurance representative.
Protect Your Loans
If your vehicle is stolen, accidentally damaged beyond repair or otherwise declared a total loss, you may be liable for the difference, or the “gap” between your insurer’s settlement and your loan balance. Sign up for Guaranteed Asset Protection (GAP)** when you apply for your vehicle loan with a Credit Union Representative.
Benefits include, but are not limited to:
- Coverage of up to $1,000 in insurance deductibles
- Eligibility for as many as five skipped payments
- Available on loan terms up to 84 months and up to 125% LTV
Protecting Family
- TruStage™ Accidental Death and Dismemberment (AD&D) — Financial hardship is one thing your family doesn’t need to worry about if unexpected death should occur. AD&D insures you if you lose your life or a limb in an accident.
- Other services to consider: Designating beneficiaries payable on death (POD) on your accounts.
Credit Life
Credit Life insurance protects your loved ones in the unfortunate event of untimely death. It’s designed to reduce or pay off a loan balance (up to the policy maximum) if you pass before the loan is repaid. One of the great features of this product is the maximum total benefit in the amount of $100,000 per loan, versus the standard $50,000 per loan with other credit unions. If this makes sense for you, speak with a Credit Union representative today.
- Available on auto and personal loans and credit cards.
Credit Disability
When injuries and accidents occur, it can help ease the family’s financial burden. Take a moment to consider whether you will need assistance in making your loan payments if you were temporarily out of work due to a covered injury or illness. We require only 20 active hours at work compared to the standard 25 hours required by other credit unions. If this makes sense for you, speak with a Credit Union representative today.
- Available on auto and personal loans and credit cards.
TOOLS & RESOURCES
No matter what you’re looking for, we have an expert or service to help you out.
- Auto Buying Research Network — an easy-to-use online research tool that will help you locate a dealer, price your vehicle, find a car and more.
- Members on the Move — if you’re buying or selling a home, we have personal consultants and real estate agents to assist you, along with opportunities to get cash back on sales/purchases.
- Credit Score Monitoring — free access to credit report and score. Accessed through Mobile & Online Banking services.
- Informative blog articles — tips and advice from financial experts.
- Calculators — whether you need to know how much car you can afford or how long it will take you to save for that next big purchase, we have a calculator for you.
- Educational Seminars — Live, on-site finance and credit-impacting seminars on a multitude of finance-related topics.
Committed to Your Financial Wellness
Committed to Your Financial Wellness
Mobile & Digital Services
We understand your on-the-go account access needs.
Mobile Apps
Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!
GET THE APPS♦
- Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
♦ Mobile services require web access. Check with your wireless carrier for any fees that may apply.
Apple Watch is trademark of Apple Inc.
Google Play is a registered trademarks of Google LLC.
Digital Wallet
Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.
Apple Pay and Apple Watch are trademarks of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.
Google Pay and Google Play are registered trademarks of Google LLC.
Visa is a registered trademark of Visa International Service Association. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.
Financial Management Tools
Our budget and finances feature allows our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track:
- Personal Finance Manager and Credit Monitoring.
* Mechanical Breakdown Insurance (MBI) is available in states where required.
** The information contained in the above announcement is intended to provide a general outline of the benefits of MEMBER’S CHOICE Guaranteed Asset Protection. Be sure to carefully read your MEMBER’S CHOICE GAP waiver or policy/certificate of insurance for complete details. Guaranteed Asset Protection may vary by state and then by credit union. In states where GAP protection is an insurance product, MEMBER’S CHOICE Guaranteed Assets Protection is made available and underwritten by CMFG Life Insurance Company. In states where GAP is a debt cancellation product, MEMBER’S CHOICE Guaranteed Asset Protection is made available through your credit union and administered by CMFG Life Insurance Company.
*** THIS PLAN IS NOT INSURANCE. This plan provides contracted discounts at certain providers, provides negotiated fees for services and does not make payments to the providers. The plan member is obligated to pay for all services when rendered. This plan has a 30-day cancellation period and is offered by Benefit Services of America, Inc., a Florida licensed DMPO, located at 2600 Maitland Center Pkwy, Suite 350, Maitland, FL 32751. Not available in all areas. American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party.
Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. In CA: Insurance is underwritten by Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority # 6519, or Travelers Property Casualty Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority # 6521, State of Domicile: Connecticut. In FL: Homeowners insurance is not currently offered for new business. In TX: Auto insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers company. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas. © 2017 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.
TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
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