Serving the needs of Northeast Tennessee since 1952
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Accidental Death and Dismemberment
Each eligible member is provided with a $2,000 FREE AD&D benefit without cost or obligation. Additional coverage may be purchased at low, affordable group rates.
Automobile GAP (Guaranteed Asset Protection) Insurance
You could lose more than your vehicle if it is stolen or involved in a
major accident. For the low cost of $350 you can protect your investment
with GAP (Guaranteed Asset Protection). Most insurance policies only
cover the value of the vehicle - something that rapidly declines during
the first few years of ownership - your loan value could be higher than
the value of your vehicle. GAP Insurance protects you for the difference
between what your vehicle is worth and the pay-off amount (up to
the limits of the coverage you purchase) of your loan in the event
your vehicle is damaged beyond repair or stolen.
GAP also offers an Auto Deductible Reimbursement Benefit that pays up to $500
per loss (limit of two (2) losses per year) when a loss is filed and paid by the auto
insurance company for a covered auto the member owns or leases evidenced by
the title or registration, and insures under an Auto Insurance Policy designating
the member as the named insured.
The coverage is effective upon the date of enrollment and will continue for five (5) years.
When you purchase a vehicle for $30,000 that is what the vehicle is worth. After driving the vehicle for a year the value drops to $20,000 and you still owe $24,000. If you were to get into an accident the insurance company would then pay you for the value of the car not what is owed on the car, leaving you with a $4,000 bill to repay. If you had taken out the GAP policy, then GAP Insurance would cover the $4,000 plus GAP will give you $1,000 towards the purchase of a new vehicle if it's financed through Northeast Community Credit Union.
If you have purchased your vehicle in the last 18 months and did not elect to take the GAP policy at the time of financing you can still purchase GAP Insurance. The GAP insurance can be added to your loan so that you won't have any out of pocket expense. PLEASE see a loan officer for full details.
Credit Life & Disability Insurance
We offer a credit life and disability insurance plan that will pay off or reduce your loan(s) if you should die or take over your payments (up to the contract limit) if you should become disabled and be unable to continue working. The cost of the premium is included in the loan payment(s).
Veterinary Pet Insurance policies provide both protection for pets and peace of mind for pet owners. These policies mean finances won't get in the way of giving your pet the care it needs. The plan covers dogs, cats, birds, and exotic pets for medical problems and conditions relating to accident, illness, or injury.
Mechanical Breakdown Protection
This product provides you with valuable protection against costly vehicle repairs. You can be sure your investment is protected when faced with an unexpected mechanical or electrical failure. As a result, you will enjoy worry-free driving with the peace of mind that comes from knowing that tomorrow's repair costs is paid for at today's prices.
Cost-effective protection to fit your needs
TruStage Life Insurance encompasses a full portfolio of term life and whole life products to meet your unique needs. Find the life insurance protection you need to build financial security.
Your Insured Shares:
Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. The NCUSIF is backed by the full faith and credit of the United States government. Your money is safe with us.
Equal Housing Opportunity Member NCUA
Rates subject to change without notice
Certain Restrictions Apply
© 2008 Northeast Community Credit Union
ABA / Routing # 264278827