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Loan Protection

Extended Warranties

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

MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.

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 authorized repair facility in the U.S. or Canada

Rental reimbursement: up to $35 per day for 5 days (or 10 days for a parts delay) from day one.

24-hour emergency roadside assistance: up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.

Travel expense reimbursement: up to $500 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 60 days or a pro-rated refund thereafter less an administrative fee.

No out of pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy)–the covered repair is paid directly to the authorized repair facility by the plan.

Ask about deductible options

*Program details may vary by state. Ask a Member Service Consultant for details or receive a quote by calling  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 Plus

Y-12 FCU is pleased to inform members that we offer Gap Plus on our car loans. If you total your car or if it is stolen, Gap Plus can help eliminate the difference of what you owe on the car 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 Plus is often costly, , but when you get your car loan with Y-12 FCU, the cost is $450. 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 Plus.