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Loan Protection

Extended Warranties

The miles can add up but the repair costs don’t have to.

Route 66 can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels, there’s a plan to fit your vehicle.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program*:

Good at any ASE certified mechanic in the U.S. or Canada

Rental reimbursement: up to $50 per day for 5 days.

24-hour emergency roadside assistance: up to $50 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.

Travel expense reimbursement: up to $375 ($125 per day up to 3 days) for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.

Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee, adding resale value and appeal.

Cancelable: receive a full refund within the first 30 days or a pro-rated refund thereafter less any claims to date.

No out of pocket expense at time of mechanical repair: (except for fluids, filters, shop fees, diagnostics and any repairs not covered by the policy) the covered repair is paid directly to the authorized repair facility by the plan.

*Program details may vary by state. Ask a Member Service Consultant for details or receive a quote by calling the credit unoin at 865-482-1043.

Debt Protection

Common Sense Debt Protection-Because life never goes exactly as planned.
Unexpected events in life don’t play favorites; they can strike anyone at any time-accidents may leave members disabled, without loved ones or you may become unemployed. For all these instances, Y-12 Federal Credit Union is happy to offer Common Sense Debt Protection. With qualifying protections, your loan payments can be protected, up to the limits of your contract, due to loss of life, disability and unemployment.

Coverage plans have death benefits that would pay a loan up to $50,000; disability benefit offering up to 12 months or $12,000 in protection and involuntary unemployment benefit which offers up to six months or $3,000 in protection. Debt protection is available for all consumer loans as well as for VISA credit cards and home equity lines of credit.

Ask for Common Sense Debt Protection for your loan and rest assured that you have the right protection to protect your family, your home and other assets-as well as your credit rating.

Common Sense Debt Protection* is a debt protection product offered by Y-12 Federal Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact your Y-12 Federal Credit Union loan officer for additional information about eligibility, terms, conditions and exclusions.
*Interest will continue to accrue. B2ML-0109-B6D8
GAP Plus

GAP Insurance

Y-12 FCU is pleased to inform members that we offer Gap on all of our vehicle loans. If you total your vehicle or if it is stolen, Gap can help eliminate the difference of what you owe on the vehicle and what your insurance company will cover. It may also pay $1,000 towards a new auto (excludes motorcycles) if you finance with Y-12 Federal Credit Union within 90 days of your insurance claim.

Gap is often costly, but when you get your vehicle loan with Y-12 FCU, the cost is $499 (some exclusions apply). Once purchased, GAP coverage extends through the life of the loan. If you are purchasing from one of our 100+ dealership partners in our Participating Dealership Program, you may also purchase Y-12 FCU GAP in your vehicle transaction. Just let the dealer personnel know you wish to purchase Y-12 FCU GAP.