Credit life insurance and credit disability insurance are available on all BFCU loans. And Guaranteed Asset Protection, or GAP, insurance is now available for your vehicle loans.

• Ensures your loan payment will be made in full in the event of your death.
• You may elect the coverage on an existing loan. The monthly cost for single coverage is $0.077 per $100 of outstanding loan balance; $0.138 per $100 for joint coverage.
• Applicant must be below the maximum age for insurance of 70 years.
• Individual and joint coverage available.
• Premium determined on outstanding loan balance.

• Ensures your loan payment will be made in the event of extended illness or injury, after a 14-day waiting period. Benefits will be retroactive to the first day of disability after the 14-day waiting period.
• The maximum monthly coverage is $750, and the maximum loan coverage is $50,000.
• You may elect the coverage on an existing loan. The monthly cost is $2.40 per $1000 of outstanding loan balance.
• Applicant must be below the age of 66 years.
• Applicant must not be currently disabled.
• The premium is determined on the outstanding loan balance.

• pays the difference between your insurance settlement and the outstanding loan balance (the "gap") if the protected vehicle is stolen, accidently damaged beyond repair, or otherwise declared a total loss
• GAP Plus coverage includes up to $1,000 down payment credit toward a replacement vehicle when financed at BFCU
• pays benefits on loans originated with a loan-to-value ratio up to 125%
• uses MSRP/NADA (new/used) to calculate LTV ratios and benefit limits
• covers new or used cars, light trucks and vans even if used commercially
• covers deficiencies up to a maximum loan term of 72 months, maximum vehicle value of $100,000, and maximum benefit of $50,000 on a vehicle
• coverage can be applied to new or existing loans and added to your monthly payment
• optional coverage enhancements are available. Ask for details.

Motor Vehicle
PowerSport
Watercraft
Recreational Vehicle

How much do you really know about a used car’s potentially flawed past? Now with one call to your Credit Union, you can get valuable information about the hidden problems of any car or light truck. A Carfax^® Vehicle History Report^SM can tell you whether it’s been totaled and rebuilt, damaged in a flood, recalled as a lemon, or had the odometer rolled back. With one out of nine vehicles in Carfax’s comprehensive nationwide database having a hidden problem that can jeopardize the vehicle’s safety, performance, and resale value, you owe it to yourself and your family to call BFCU for a Carfax report.

Give us the Vehicle Identification Number, and for just $8 per report (with one refundable at time of financing -- minimum finance amount $5000), you get the peace of mind you deserve. Contact the loan department. Or, access Carfax 24 hours a day with your credit card via toll-free number (you must have access to a fax machine to receive the report). For reports by phone, call 1-888-888-1615 ($18 each), or via the internet at www.carfax4cu.com ($11.25 each).

Eliminate the hassle of making monthly loan payments. Sign up for Automatic Payment Transfer for all your loans, and you’ll never miss another payment. Payments can be set up to transfer from your Share or Share Draft account. This is a free service.