Preserve your assets for the future and achieve peace of mind knowing your ARC loans are protected.

GAP Insurance

Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference, or the "gap," between your insurer's settlement and your loan balance. That gap will come out of your pocket for a vehicle that, for all practical purpose, no longer exists.

So what is GAP Insurance?

GAP is a low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance. GAP can save you from making loan payments on a vehicle that you no longer have!

  • Only a few dollars a month - $275 total (most dealerships charge $500-$600)
  • Up to $1,000 down payment of a replacement vehicle
  • Can be included with your loan payment
  • Fully refundable if cancelled within the first 90 days

Protect your family, your car, and your credit rating with GAP. Contact our loan department for more information at 814-946-0857 opt 4.

Life Insurance

Sign up for MEMBER'S CHOICE term life insurance from CUNA Mutual Insurance Society when you take out your next loan at ARC Federal Credit Union. As an ARC member, you and your family can have the valuable financial protection you need when you take out a loan.

Premiums for the coverage you select are reasonable. In fact, when you compare the cost of term life insurance with the benefits offered, you'll find the coverage well worth it.

MEMBER'S CHOICE life insurance can:

  • Reduce your family burden and protect your family
  • Protect your income, your collateral and your credit rating
  • Provide coverage at home and at work
  • Provide peace of mind

In the event of your death, term life insurance pays the insured balance of your loan, up to the policy maximum.

How Much Does It Cost?

Coverage costs just pennies a day. Premiums can be added to your monthly loan payments for your convenience.

It's Easy to Qualify...

To qualify for term life coverage you must not have reached the maximum eligibility age of 65 on the date of your loan.

Call one of our loan professionals for complete details. 814-946-0857 opt 4.

Disability Insurance

Sign up for MEMBER'S CHOICE term disability insurance from CUNA Mutual Insurance Society when you take out your next loan at ARC Federal Credit Union. Premiums for the coverage you select are reasonable. In fact, when you compare the cost of term disability insurance with the benefits offered, you'll find the coverage well worth it.

MEMBER'S CHOICE disability insurance can:

  • Reduce your family burden and protect your family
  • Protect your income, your collateral and your credit rating
  • Provide coverage at home and at work
  • Provide peace of mind
  • Should you become totally and continuously disabled by a covered sickness or accident, which persists beyond the policy waiting period, your covered loan payments are protected with disability insurance.

How Much Does It Cost?

Coverage costs just pennies a day. Premiums can be added to your monthly loan payments for your convenience.

It's Easy to Qualify...

  • You must not have reached the maximum eligible age on the date of your loan
  • You must be actively at work and regularly performing all of the duties of a full-time, gainful occupation
  • Only one member may be insured for any one loan

Call one of our loan professionals for complete details at 814-946-0857 opt. 4.