Related Auto Services

Guaranteed Asset Protection (GAP)*
This is the insurance that covers the difference in the balance on a car loan and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair or stolen and never recovered.

  • Optional insurance protection for new or used vehicle loans
  • Covers the difference in the balance on a car loan and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair or stolen and never recovered.
  • GAP is supplemental coverage and does not replace your standard Comprehensive, Collision and Liability coverage, only enhances it.

Why get GAP? No matter how terrific a car is, the minute you drive it out of the show room, its value decreases. Depending on where you live and how much you financed, the established market value may be less than the actual balance you owe on your car. With GAP, if your car is totaled or stolen, the deficiency will be covered. That includes the difference between your primary carrier's insurance settlement and the payoff of your loan, less delinquent payments, late charges, refundable service warranties, and other insurance related charges. Included in the GAP payment is your primary insurance deductible, which is covered up to $1,000 if a deficiency exists. In addition, you are eligible for an additional $1,000 towards the purchase of a replacement vehicle financed through the credit union.

Consider: You buy a car. The loan balance after one year is $15,000. The market value is $11,000. Your insurance deductible is $1,000. You total the car, and your insurance company pays $10,000. That leaves a difference of $5,000. That is $5,000 you would have to pay for a car you no longer possess. With GAP, that $5,000 is paid.

The one-time charge for GAP is $375 per vehicle.

Mechanical Breakdown Protection (MBP)
Protect yourself from costly auto repair bills with MBP. There are several plans with a variety of comprehensive coverage options specifically designed to fit your needs. Extend your vehicle's protection for many years and thousands of miles after the factory warranty ends.

Enterprise Car Sales
Purchase your next used car from Enterprise Car Sales. Whether you are looking for a used car, truck, van or SUV, Enterprise has your next vehicle. Click here to learn more about Enterprise Car Sales.

Tru Stage Auto and Homeowners Program
You trust Eastern Michigan University Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the TruStage Auto and Homeowners Insurance Program.

  • TruStage Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
  • Convenient e-service, pay your bill or make changes to your policy, even report a claim.
  • Receive fast, easy access to claims service 24-hours a day.
  • Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

For credit union members only. Safeguard what matters most. You could save an average of $427.96 on car auto insurance. Find out more.


*Insurance products sold through or in the credit union are not insured by the National Credit Union Administration (NCUA), and are not issued, guaranteed, or underwritten by the credit union or the NCUA or any other federal government agency. There is no requirement or obligation to purchase insurance from the credit union or any subsidiary, affiliate, or particular unaffiliated third party as a condition to obtaining a loan, and a decision as to insurance agents will not affect the credit terms in any way. The credit union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining an insurance product or annuity from an unaffiliated entity.

EMU Financial FRC Calculators
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A division of the University of Michigan Credit Union
Equal Housing Opportunity National Credit Union Administration
Federally Insured by NCUA.