Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP)

Protect Your Vehicle Loan from Unexpected Loss

If your vehicle is ever stolen or declared a total loss due to an accident, your insurance payout might not cover your entire loan balance. That’s where GAP comes in. GAP (Guaranteed Asset Protection) may cover the difference between what your insurance pays and what you still owe—helping you avoid a major financial setback.

Key Features

  • Buy Anytime - GAP can be added at any point during the life of your loan.
  • Flexible Payment Options - You can include the $499 GAP fee in your loan payment or pay it upfront by cash, check, or credit card.
  • $1,000 Credit Toward Your Next Loan - Finance your next vehicle with USSFCU within 120 days of your GAP claim payout and we’ll credit $1,000 to your new loan.
  • 90-Day Free-Look Period - Cancel within 90 days for a full refund—no cancellation fee.

Bonus Protection: Auto Deductible Reimbursement (ADR)

When you enroll in GAP, you’ll automatically receive Auto Deductible Reimbursement (ADR) at no extra cost. Here’s what it includes:

  • Reimburses up to $500 per collision or comprehensive claim
  • Unlimited claims for 3 full years from the date you enroll
  • Applies to any personal-use vehicle you own or lease and insure under your name (borrower or co-borrower)

 Note: ADR does not apply to RVs, motorcycles, boats, or vehicles used for commercial purposes.

To file an ADR claim:
Visit www.assuranceplus.com/claims or call 1-877-296-4892
Claims must be submitted within 90 days of the loss.

What Vehicles Are Eligible?

GAP is available for most personal-use vehicles, including:

  • Motor Vehicles (cars and trucks)
  • Power Sports
  • Watercraft
  • RVs

Eligibility exclusions may apply. For commercial vehicles, please contact our Business Services team.

What You Get with GAP Coverage

  • One-time cost: Just $499 for the entire life of the loan
  • Coverage amount: May pay up to $50,000 toward the remaining loan balance if your vehicle is totaled or stolen
  • Maximum loan amount: Works for loans up to $100,000
  • Maximum Loan term: Covers loans up to 84 months
  • Loan-to-value (LTV): Up to 125% (Based on MSRP or JD Power Clean Retail)
  • Bonus Coverage: Includes Auto Deductible Reimbursement (ADR) — get up to $500 back on your auto insurance deductible per claim, with unlimited claims for 3 years

Submit a GAP Claim

Lending Support Services:

[email protected] | 800.374.2758 (option 4)

Hours of Operation: 8:00 AM – 4:00 PM ET (M-F)

Peace of Mind Starts Here

Protect your loan. Protect your budget.
Talk to USSFCU today to add GAP to your loan.

For financing options and additional auto services, visit ussfcu.org/auto.

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 the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

*Replacement vehicle must be financed within 90 days of the date your primary insurance company pays the claim on a total loss. Contact the Credit Union at 800.374.2758 for full details. **Auto Deductible Reimbursement summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please contact a USSFCU representative at 800.374.2758 for complete terms and conditions, limitations, definitions, and exclusions.

Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. All new or used motor vehicles with a maximum loan of $100,000 are eligible. Recreational Vehicles (RVs including motorcycle, snowmobile, ATV, motor home, classic car, golf cart, watercraft (i.e., boat or jet ski), or similar vehicles) are at a different policy rate and other limits apply.

No private party sales, Carvana purchases, third-party broker or auction services are eligible.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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