Loan Protection

Protect your loans with our Loan Protection services. Your peace of mind is our top priority.

GAP Plus

East Idaho Credit Union’s Guaranteed Asset Protection Plus (GAP Plus) is a way to help protect your vehicle loan. Many times primary auto insurance settlements don’t pay off your loan balance. When you buy a new or used vehicle, there’s no way to know if it will be stolen or totaled in an accident. With GAP Plus, you’re protecting your vehicle against a possible financial loss. Fill the gap between the depreciated value of your vehicle and the remaining balance of your loan with EICU’s GAP Plus.

Product Coverage
Max Benefit $50,000
Max Loan to Value 125%
Max Loan Term 84 Months
Max Loan Amount $100,000
Product Coverage
Max Benefit $50,000
Max Loan to Value 125%
Max Loan Term 84 Months
Max Loan Amount $100,000
Product Coverage
Max Benefit $50,000
Max Loan to Value 125%
Max Loan Term 144 Months
Max Loan Amount $125,000
Product Coverage
Max Benefit $50,000
Max Loan to Value 125%
Max Loan Term 144 Months
Max Loan Amount $50,000

Mechanical Breakdown Protection

Member services are offered to you, just for being a member of East Idaho Credit Union. Some services have been offered since 1935, and we are always looking to offer better & newer things to you every single day.

Product Coverage
New Coverage Terms Up to 8 Years & 125k Miles
Used Coverage Terms Up to 48 Months/48k Miles
Deductibles Up to $100
Consequential Damage, Sales Tax, Fluids, Diagnostics Authorized on all covered failures.
Luxury Electronics Included GPS, NAV, internet access systems, back-up cameras, phone.
Commercial Use Surcharge applies
Lifted Vehicle Surcharge applies
Product Coverage
New Coverage Terms N/A
Used Coverage Terms Up to 24 Months/48k Miles
Deductibles Up to $100
Consequential Damage, Sales Tax, Fluids, Diagnostics Authorized on all covered failures.
Luxury Electronics Optional GPS, NAV, internet access systems, back-up cameras, phone. Surcharge applies
Commercial Use Surcharge applies
Lifted Vehicle Surcharge applies
Product Coverage
New Coverage Terms N/A
Used Coverage Terms 24 month/24k miles, 36 month/36k miles
Deductibles Up to $100
Consequential Damage, Sales Tax, Fluids, Diagnostics Authorized on all covered failures.
Luxury Electronics N/A
Commercial Use Surcharge applies
Lifted Vehicle Surcharge applies

Credit Protection

CREDIT LIFE PROTECTION

There’s no way your family can predict your unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected occurs. Credit Life Protection may help pay your loan, so your loved ones don’t have to.*

HOW DOES CREDIT LIFE PROTECTION WORK?

The premium is included in your monthly loan payment. If you have a balance on your loan at the time of your death, Credit Life Protection may help.* By taking a few simple steps while signing your loan paperwork, you’re taking responsibility for your family’s financial future. Your loan officer can show you how. You won’t receive extra bills or statements; everything is included in your monthly payment. You can cancel coverage at any time if you change your mind. If coverage is canceled within the first 30 days you will receive a full refund. If at any point you have questions, or if your family needs to file a claim, simply contact your local East Idaho Credit Union branch. Coverage is immediate for eligible borrowers.

WHY IS CREDIT LIFE PROTECTION VALUABLE?

Your family may not have to make loan payments -Credit Life Protection may help pay off the loan. That means your family can use savings, salary or other life insurance for other important things. East Idaho Credit Union’s Credit Disability Protection may help make your loan payments if anything ever happens.

*Up to your policy maximums: per terms and conditions and exclusions on your Credit Protection Certificate.

CREDIT DISABILITY PROTECTION

There’s no way anyone can predict a total disability due to injury or an illness, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. East Idaho Credit Union’s Credit Disability Protection may help make your loan payment when you and your family need it most.*

HOW DOES CREDIT DISABILITY PROTECTION WORK?

The premium is included in your monthly loan payment. If you have a balance on your loan at the time of a total disability East Idaho Credit Union’s Credit Disability Protection may help.* By taking a few simple steps while signing your loan paperwork, you’re taking responsibility for your family’s financial future. Your loan officer can show you how. You won’t receive extra bills or statements; everything is included in your monthly payment. You can cancel coverage at any time if you change your mind. If coverage is canceled within the first 30 days you will receive a full refund. Coverage is immediate for eligible borrowers.

WHY IS CREDIT DISABILITY PROTECTION VALUABLE?

Some disability insurance pays only a fraction of your salary, and that’s if you qualify. East Idaho Credit Union’s Credit Disability Protection may help make your loan payments while you’re totally disabled due to a covered illness or injury.* That means you and your family can use your savings for other important things.

*Up to your policy maximums: per terms and conditions and exclusions on your Credit Protection Certificate.

Contact Us

1-800-727-9961
M-F: 8:30am – 5:30pm
Sat: 10:00am – 2:00pm

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