Vehicle Loan Protection

Purchasing a new or used vehicle can be a very costly venture so it may be a wise investment to add GAP and Extended Warranty to your next auto loan. CCTFCU makes this possible by offering very affordable options for these items.

GAP (Guaranteed Asset Protection)

Your Auto Insurance does NOT cover everything! GAP pays the difference between what you owe and what your insurance company will pay. If your vehicle is deemed a total loss due to an accident or if it is stolen, your auto insurance policy will only cover the market value of your vehicle less your deductible. This settlement could be significantly less than the amount you owe on the vehicle loan. The final result is a financial GAP where you must make up the difference and could mean thousands of dollars out of your pocket.

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ADR (Auto Deductible Reimbursement)

If you purchase GAP, you automatically acquire the ADR coverage as an additional benefit. This covers you in the event of a loss that your Auto Insurance Company has approved and paid a collision or comprehensive claim which exceeds the Auto Insurance Policy deductible for the covered auto. ADR pays up to $500 per loss (UNLIMITED losses per year).

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MBP (Mechanical Breakdown Protection)

Get peace of mine with our Mechanical Breakdown Protection. Unexpected vehicle repairs can be VERY expensive so our MBP plans have you covered! The cost of covered repairs are paid directly to the licensed mechanic/repair facility with no out-of-pocket expenses incurred by you. Deductible = $0

Click brochure below for various plans and details of coverage

Better than Bank Rates

Save more and spend less with CCTFCU’s market-leading interest rates on Savings & Loans.

Product	Rate	APY	Minimum Balance
Primary Savings	0.10%	0.10%	$5
$2500 Club	0.15%	0.15%	$2,500
Christmas Club	0.25%	0.25%	n/a
6 mo CD	0.30%	0.30%	$1,500
12 mo CD	0.40%	0.40%	$1,500
18 mo CD	0.50%	0.50%	$1,500
24 mo CD	0.60%	0.60%	$1,500

Year Models 2021-2022	APR
48 months	3.35%
60 months	3.50%
66 months	3.75%
72 months	4.00%
84 months	4.50%

Year Models 2019-2022	APR
48 months	3.75%
60 months	4.00%
66 months	4.25%
72 months	4.50%
84 months ($25,000 minimum)	4.95%

Year Models 2017-2018	APR
48 months	4.75%
60 months	5.00%
66 months	5.25%
72 months ($20,000 minimum)	5.50%

Year Models 2015-2016	APR
36 months	5.50%
48 months	6.00%
60 months	6.50%
66 months	7.00%

Year Model 2014	APR
24 months	6.00%
36 months	6.25%
48 months	6.50%
60 months ($15,000 minimum)	7.00%

Year Models 2013 & Older	APR
24 months	6.75%
30 months	7.00%
36 months	7.25%
48 months ($15,000 minimum)	7.50%

Motorcycles

Term (Mos)	APR
48	6.00
60	6.25
66	6.50
72	6.75

Boats & RV Loans

Term (Mos)	APR
48	5.50
60	5.75
66	6.00
72	6.25
84	6.50
120 (Minimum Financed Amt +$25,000)	7.00

Tractors & Lawn Mowers

Term (Mos)	APR
24	5.00
36	5.25
48	5.50
60	5.75

Product	Rate	APY	Minimum Balance
Money Market Savings	0.05%	0.05%	$100
Money Market	0.05%	0.05%	$500