Additional Loan Services
Debt Protection with Life Plus

Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or payments up to the contract maximums.

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. Purchasing protection is voluntary and won.t affect your loan approval.

GAP Plus with Deductible Assistance

Our Guaranteed Asset Protection (GAP) program can help cushion you and your family against sudden out of pocket expenses and goes beyond traditional GAP protection. GAP Plus may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss. Plus, it helps you get into your next vehicle by reducing your next loan with Cochise Credit Union by $1,000.

Deductible Assistance is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, then we will give you up to $500.00 towards your deductible.

Get GAP Plus with Deductible Assistance today so you can worry a little less about tomorrow.

Mechanical Repair Coverage

Mechanical Repair Coverage helps pay for covered repairs on you car when that unexpected breakdowns occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total hundreds or even thousands of dollars.

Coverage Benefits

  • Rental reimbursement: up to $35 per day (5 day maximum, 10 day maximum for parts delay). Available on the first day of a covered repair.
  • 24-hour emergency roadside assistance: up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
  • Travel expense reimbursement: up to $200 per day (5 day maximum) for lodging, food and transportation expense when a covered breakdown occurs more than 100 miles from home (Not available to residents of NY).
  • Good at any authorized repair facility in the continental United States of America, Alaska, Hawaii and Canada
  • No out of pocket expense (except for any deductible): the covered repair is paid by the Administrator directly to the repair facility.
  • Transferable: if you sell your vehicle privately, the coverage can be transferred (for an administrative fee), adding resale value and appeal.
  • Cancelable: receive a full refund within the first 60 days (if the agreement has not been used) or a pro-rated refund thereafter less an administrative fee.

The Credit Union Advantage program allows members to obtain financing from Cochise Credit Union for a new or used vehicle at the dealership. You will receive a low rate on your vehicle loan when you mention that you are a Cochise Credit Union member.