Member's Choice™ Borrower Security provides peace of mind for both you and your family by protecting your loan payment in the event something unforeseeable should happen to you. Learn more about the benefits of payment protection today.
Break loose from the limitations and stress of financing through a dealership! Start your car buying process with us. We’ll pre-approve you for the amount of your loan and then you can shop with confidence knowing that you have a check (we call it a Freedom Check!) to buy your vehicle at a low rate without any surprises.
When something unexpected happens to your vehicle, Guaranteed Asset Protection (GAP) can help! This product bridges the gap between the amount you owe on your vehicle and the amount your auto insurance company pays in the event that your vehicle is totaled or stolen and not recovered.
Why take chances with your investment? You may be surprised to learn that the value your auto insurance company gives your vehicle may be substantially less than the amount you actually owe. The result is a financial "gap", which you are responsible for paying should your vehicle be totaled or stolen and not recovered. This "gap" liability could cost you thousands of dollars.
That's why First Capital Federal Credit Union offers GAP Plus — a more affordable form of protection than any plan you're likely to find through a dealership. If your vehicle is declared a total loss by your insurance company due to accident or theft, for a low one-time premium, GAP Plus pays any remaining loan balance your auto insurance does not pay.
If you file a claim for theft or an accident resulting in the total loss of your covered vehicle, GAP Plus protection will apply a principal payment of $1,000 towards your next auto loan when you finance it with First Capital within 120 days.
Avoid the "gap" and protect yourself and your investment with GAP Plus. For more information about GAP Plus, call us at (717) 767-5551 to speak with a Member Service Officer.
While you're making efforts to help save the planet, we're working to help save you money. Our Green Loans offer special rate discounts given to members for their green efforts. By purchasing a new or used hybrid vehicle or other vehicle that exceeds 32 highway MPG, you can benefit from a 0.15% rate discount.
To find out the fuel-efficiency of new and/or used vehicles, visit fueleconomy.gov. This website was developed by the U.S. Environmental Protection Agency (EPA) and the U.S. Department of Energy (DOE) to help you choose the most fuel-efficient vehicle to meet your needs.