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Guaranteed Asset Protection (GAP)

Will you owe more on your TFCU vehicle loan than your vehicle is worth?

While auto insurance covers the replacement value of a vehicle, members remain liable for the difference between the insurance payment and the remaining loan balance (the “gap”). With vehicle loan durations typically extending, the chance that a “gap” will occur is greater than ever.

Our Members Choice Guaranteed Asset Protection program can help fill the gap, if your GAP-protected vehicle is deemed a total loss. It can help cushion you and your family against sudden out of pocket expenses.

Your purchase of Members Choice Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with TFCU. Certain eligibility requirements, conditions and exclusions may apply.

Note: GAP insurance does not cover late fees, insurance deductibles and proceeds recovered from the cancellation of refundable items (for example: extended warranty)

For more information, visit any of our conveniently located branches, or call (631) 698-7000, extension 6790.

All rates and terms are subject to change without notice.

Featured Rates

New Auto, TrucksAPR*
12 to 60 months2.99%
61-72 months3.29%
73-84 months4.29%
85-96 months4.49%
See All

*APR = Annual Percentage Rate. All rates are subject to change without notice.

61-72 Mo. Minimum Loan $10,000
73-84 Mo. Minimum Loan $20,000
85-96 Mo. Minimum Loan $30,000

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