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HomeMember ServicesInsurance • Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP)

Consider GAP if you:

Now you can protect your vehicle investment with Guaranteed Asset Protection (GAP). GAP is not an insurance plan, rather, it is an addendum to your loan that offers protection against financial loss if your vehicle is stolen or damaged beyond repair (deemed a Total Loss). GAP is available for members that finance their vehicle(s) with a loan from WPCCU.

GAP helps eliminate the difference between your primary carrier insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges. Included in this difference is your insurance deductible, which is limited to $1,000.

Here's how GAP works. Let's say after one year, the vehicle you purchased for $25,000 is valued at just $16,000. You still owe $20,000 when it is stolen and never recovered or is involved in an accident in which it is damaged beyond repair. Most insurance policies will only reimburse you for the value of your vehicle, $16,000, leaving you to repay the remaining loan balance of $4,000. GAP provides for the waiver of that $4,000 for you, including your insurance policy deductible, up to $1,000.

What's the cost for this valuable level of protection? Our GAP is just $399.00 for eligible new and used vehicles and motorcycles. GAP is also available on RVs, boats, and travel trailers; the fee is determined by the balance of the loan. This is a small price to pay for real peace of mind.

Also, to thank you for purchasing GAP, we will provide you with the Auto Advantage Program which includes the Auto Deductible Reimbursement (ADR) benefit and other valuable services*. Ask your loan representative to learn more.

*Auto Deductible Reimbursement (ADR) is one benefit of the Auto Advantage Program. Other benefits include Personal ID Resolution Consulting and Warranty Registration.

GAP...For Affordable Peace of Mind.

For more information on GAP Coverage, call 800-300-9728.

This is general information only. GAP does not replace or eliminate the need for vehicle insurance coverage.


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We are excited to provide WPCCU members with an all new Digital Banking Experience.

To take advantage of the new features, all members will need to complete the enrollment process and update their passwords. If you're new to Online Banking, it's easy to get started.

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Having trouble logging In?

If this is your first time logging in, you’ll need to confirm your personal information including your WPCCU Member Number and email address. If you are an existing Online Banking user, your login username will remain the same. Follow the on-screen prompts to confirm your personal information to get started. To ensure the security of your accounts, please call us at (866) 903-7064 if you do not know your Member Number.

If you’ve logged into the new Online or Mobile Banking after June 26, 2018, the forgot password and forgot username tools can be used to recover your account information. If you still need assistance, please call us for assistance at (866) 903-7064 during business hours.

If you are having trouble with Bill Pay, please call (866) 903-7064.


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Sign up for Online Banking and Bill Pay. It's Free!

Thank you for your interest in our free Online Banking and Bill Pay services. To sign up, please call the Credit Union at 1-800-300-9728, or visit any branch, and a representative will assist you in setting up your Online Banking account.

Would you like to learn more about Online Banking? Click here to see the Online Baking demo.

If you’ve already enrolled in Online Banking but have forgotten your Online Banking ID or password, please call us at 1-800-300-9728.