Products and Services

• Dental Plan
• Electronic Security Protection
• GAP Insurance
• GEICO Insurance
• Identity Theft 911®
• Loan Protection Insurance
• Long Term Care Insurance
• MEMBERS Auto Insurance
• NCUA Insurance
• Privacy Statement
• Protecting the Elderly from Financial Abuse
• Safe Deposit Boxes
• Title Insurance
• Vehicle Warranty

Protecting your vehicle investment
GAP Insurance

The minute you drive a new car off the lot, its value decreases. Essentially, it's not a new car anymore but you still owe the full value of your loan. To go one step further, having full collision and comprehensive coverage on your car doesn't necessarily mean it will be replaced at no cost to you if your vehicle is totaled. You could end up paying thousands of dollars because of the gap between the actual value of your car at the time of the accident and the amount you still owe on the loan.

We require our members who finance with VyStar to have full insurance coverage on their vehicle, but the insurance may not cover the balance on your loan. Unsuspecting car owners can be at a loss, literally, if their car is totaled or stolen. GAP will help bridge the difference between the amount you owe on your loan and the amount your auto insurance company is willing to pay. GAP is a good way to help cover high-cost losses.

You can sign up for GAP when you apply for a loan at VyStar. A VyStar Representative will be happy to help you with the details. There's no underwriting, no red tape, and no hassles. For your convenience, the amount can be rolled into your monthly loan payment.

At VyStar, we take a personal interest in your protection and are not-for profit. Many of our insurance programs are discounted for our members' benefit.

Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to your Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan will increase the cost of GAP.

State chartered credit unions in FL, GA, IA, RI, UT, VT, WI may choose GAP with or without a refund provision while those in CO and SC; GAP is only available with a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose either product and cancel within the first 90 days, you will receive a full refund. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee calculated by the actuarial method. You will receive additional information before you are requires to pay the fee for this product. DPGAP-0611-693B

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