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Loan Protection and Insurance

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Loan Protection and Insurance

YSCU offers a wide variety of loan protection coverage options. Life’s “accidents” can leave you without a car and with unpaid bills. Protect yourself!
If you would like more information on any of the options below, please complete the inquiry form or call (937) 767-7377 to speak to a friendly representative from our loan department.


Guaranteed Asset Protection (GAP)

If the unexpected happens to your vehicle, you could lose more than just the vehicle; you could lose your entire investment. For example, if you total your vehicle in an accident, you can only expect your auto insurance to cover the residual value of your vehicle. If you owe more than the residual value, you could be required to cover the difference out of pocket! With YSCU’s Guaranteed Asset Protection, you can bridge the “gap” between the amount you owe and the amount your insurance company will pay.

GAP insurance provides protection on both new and used vehicles with four great benefits:

  1. Low-cost protection for a one-time fee of $395
  2. Protection up to 84 months and loan-to-value up to 120%
  3. The GAP premium of $395 can be added to your loan with minimal effect on your monthly payment, and it can be added after the loan closes.

Mechanical Breakdown Protection Through Route 66 Extended Warranties

rte66Avoid costly vehicle repairs with Route 66 and their top-of-the-line extended warranty plans. Their Mechanical Breakdown Protection extends coverage to virtually any make and model, regardless of age or mileage. Coverage is even transferable if you sell your vehicle before the plan expires.

Benefits you can count on:

  • Claims are paid at the time of repair directly to the repair facilities.
  • Repairs can be done at a licensed facility of your choosing.
  • There is no deductible! *
  • The cost of coverage can be integrated into your loan with virtually no effect on your monthly payment.
  • Enjoy a 30-day money back guarantee.

All plans come with additional benefits:

  • 24-hour roadside assistance
  • Rental vehicle assistance
  • Total loss refund

Buying a vehicle is one of the largest purchases you’ll make, so protect it with a Route 66 warranty!

*Member is responsible for diagnostics, fluids, and any applicable sales tax. 

Debt Cancellation

Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay monthly bills. Debt Cancellation gives you peace of mind by helping to relieve financial pressure. With Debt Cancellation, your loan or your monthly loan payments may be cancelled up to a maximum amount. You select the plan that provides protection due to death, disability or involuntary unemployment.

Benefits of Debt Cancellation:


  • Single and joint coverage available
  • Safeguard your family’s financial security
  • Preserve your credit rating


  • Add to your monthly payment
  • Simple claims process


  • Protection to age 70
  • A few eligibility questions only, no medical exam

Your purchase of any of the above ancillary products is optional. Whether or not you purchase any of these products will not affect your application for credit or the terms of any existing credit agreement you have with us.


Insurance Options

Auto and Homeowner’s Insurance


As a YSCU member, you qualify for group rates, which could save you money on your auto or homeowner’s insurance and your rate is guaranteed for a full year. Get an auto or homeowner’s insurance quote online in minutes by visiting the TruStage link (a YSCU partner) below or call (855) 483-2149!
TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. 

Life Insurance

Life insurance

Plan today for peace of mind tomorrow. To protect the ones you treasure most, you need the right life insurance plan. Your family could face challenging financial obligations if you’re not there. Plan for them now with benefits to help with:

  • Funeral costs and final medical bills
  • Mortgages and other outstanding debts
  • Food, utilities and other living expenses
  • College or childcare costs
  • Your spouse’s retirement

Not sure how much or what type of insurance you need? A licensed TruStage representative (a YSCU partner) can help you understand your options. Call now for a personalized needs assessment, accurate answers to your questions, and affordable, versatile options to fit your lifestyle and budget. Let us help you take care of your greatest treasure, call toll-free: (855) 860-7483.
TruStage® Life Insurance is made available by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly, IA 50677 0061. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. © 2018 TruStage Insurance Agency.