Vehicle Protection

Don't let car troubles put a big dent in your savings

Already have a MECU Auto Loan but didn’t buy GAP Protection?

Not a problem! Just complete the GAP Enrollment Request. A loan representative will process your request and mail the GAP Protection Certificate to you.

Low monthly rates** on GAP

Extended Warranty Protection for mechanical failures

GAP Enrollment Request can be filed online if you forgot to add coverage

Protect yourself from financial harm when you least expect it.

Car passengers are protected by seat belts and airbags. But what stops drivers from suffering financial harm after a bad accident or major breakdown? Traditional auto insurance only goes so far. MECU offers two other low-cost options that can save Baltimore-area motorists hundreds or thousands of dollars.

Vehicle Loss Protection

How would you feel about making monthly payments on a car you no longer have? That can happen if your vehicle is stolen or totaled in an accident, and your traditional insurance policy's payout is less than your loan balance. For a low price, MECU's Guaranteed Asset Protection (GAP) with Deductible Assistance* will cover the financial gap.

  • Buy GAP with Deductible Assistance* Coverage for as little as $11 a month**
  • GAP with Deductible Assistance* covers the difference between your insurance settlement and what you owe on your loan
  • GAP with Deductible Assistance* is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss.
  • Get a refund within 90 days* of your enrollment date if you're not satisfied
Extended Warranty Protection

It never fails. The manufacturer's or dealer's warranty on your car runs out, and two weeks later your transmission goes, your engine blows or you're hit with another major repair. Now you can protect your wallet from these situations by purchasing Extended Warranty Protection through MECU.

  • No deductible and you’re covered the day you purchase the plan
  • 30-day risk-free trial with a fully refundable premium
  • Covered repairs include engines, transmissions, air-conditioning and electrical problems***
  • Vehicle owners can get repairs at any ASE (Automotive Service Excellence) certified repair shop
  • Extended Warranty Protection can even be purchased for cars that have higher mileage
  • You can even purchase protection even if your car is paid off or if your loan isn’t with MECU

Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on auto loans and other vehicle lending products.

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Didn't buy Gap Protection?

Complete the GAP Enrollment Request now!

*GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to your loan will increase the cost of GAP because there will be additional interest due based on the inclusion of the GAP Fee in the loan principal amount. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid, if no benefits have been provided. This product is administered by CUNA Mutual Insurance Agency, Inc. or a contracted third party.  GAP-8980354.1-0626-0728  

**The total cost of GAP is $695 and applies to "motor vehicles" only (personal-use cars/trucks). The estimated monthly cost assumes a 60-month loan term and is for illustrative purposes only. The actual monthly cost will be provided before you are required to pay for GAP. Loan amount, rate, term, and how you decide to pay for GAP will affect the actual cost. Your monthly auto loan payment will increase if you add the GAP fee to your loan. Adding the GAP fee to your loan will also increase the cost of GAP. If the GAP fee is added to your loan after loan origination, your monthly loan payment will remain the same; however, your repayment term will be extended to cover the GAP fee. You may also choose to pay the GAP fee by check, cash or withholding from a MECU checking/savings account, in which case neither your monthly payment nor repayment term will change. Deductible Assistance: if auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.

***Route 66 Extended Warranty protection comes with a complete line of coverage options. Cost and coverage will depend on the plan you select. Complete terms and provisions are contained within the Service Agreement which you will need to sign and return before coverage is activated.


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