TruStage™ Auto & Home Insurance Program

You trust Fort Bragg Federal Credit Union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance professionals, these programs can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

MAH-1112-4AA6


TruStage™ Renters Insurance Program

You trust Fort Bragg Federal Credit Union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Renters Insurance Program.

Working with carefully selected insurance professionals, these programs can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared renters insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage Renters program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.


GAP

Fort Bragg Federal Credit Union offers GAP Coverage to our members. This additional protection can help members have peace of mind during their loan or lease of a vehicle.

  • What is GAP Coverage?

    GAP Coverage is additional protection in the event your vehicle is totaled or stolen and not recovered. Your insurance may only pay the Actual Cash Value of your vehicle and might not pay off the total amount left on your vehicle loan or lease. This can leave you with money owed on a vehicle you no longer have. GAP covers the "gap" left between the amount left on your loan and the vehicle's market cost.
  • GAP Advantages

    • Covers the difference between your insurance settlement and the loan or lease payoff
    • Minimizes your risk of out-of-pocket expenses
    • Typically covers loan/lease terms up to 84 months
    • Pays your insurance deductible up to $1,000**
  • Eligibility for GAP

    The following are vehicles eligibile for GAP coverage:
    • New and Used Consumer Vehicles
    • Private Passenger Autos and Vans
    • Pickup Trucks Not Exceeding a 1-Ton Capacity
    • Motorcycles, ATVs, and Personal Watercraft
  • What GAP Doesn't Cover

    A GAP Payment does not pay for delinquent payments, late charges, refundable service warranty contracts, and other related insurance charges. GAP also does not cover the following:
    • Loans or leases with terms longer than 84 months
    • Commercial vehicles
    • Trucks exceeding a 1-ton capacity
    • Taxi cabs, buses, limousines, and rental vehicles
    • Loss due to forgery, dishonest acts, conversion, intentional acts of the borrower/lessee, embezzlement, secretion, confiscation, or war
  • How Gap Works

    Example*
    Loan Balance After One Year $30,000
    Your Vehicle's Actual Cash Value $25,000
    Your Auto Insurance Deductible** $1,000
    Your Auto Insurance Settlement $24,000
    Your Financial GAP $6,000
    Guaranteed Auto Protection Pays $6,000
    Your Out of Pocket Expense $0

Without Guaranteed Auto Protection, you would be required to pay $6,000 in order to pay off your loan/lease.

 *All figures and monies in this example were provided by Evans, Simpson and Associates (ESA) and may differ from actual savings. In most states, GAP is a loan/lease deficiency waiver and is not offered as insurance coverage.
**Deductible reimbursement benefits are available in most, but not all, states. GAP will cover the deductible amount stated in your primary insurance policy up to $1,000. Ask your loan officer for details on the GAP program.