Your vehicle and your good credit are investments that are worth protecting. WSECU offers three affordable ways to protect those investments.


Mechanical Repair Coverage (MRC)

Having to pay for major repairs on your vehicle can be costly…but you can protect yourself from having to pay those costs with Mechanical Repair Coverage. We are pleased to be able to offer this optional coverage to you for your next new or used vehicle.


There are three levels of coverage: Platinum, Gold and Silver. The Platinum and Gold Plans offer $0 and $100 deductible options; the Silver Plan carries a $100 deductible. All three cover a multitude of major mechanical repair costs including engine, transmission, brakes, steering, electrical and more. Ask your Member Consultant for details on what is covered in each plan or learn more about them here

This is only a summary of the Mechanical Repair Agreement. Please read the contract for specifics on coverage, exclusions and limitations.

Guaranteed Asset Protection (GAP)

The value of a vehicle typically depreciates more quickly than the time it takes to pay off your loan. GAP is designed to protect the investment you’ve made in your vehicle in the event it is stolen and not recovered, or totaled in an accident.


If either of these scenarios happens to you and you’ve purchased GAP, it will cover the difference between the value of the vehicle and your outstanding loan balance, leaving you with no further payments on a vehicle you no longer have. You may also be eligible to receive an additional $1,000 toward the purchase of your next vehicle.


GAP covers most types of vehicles and RVs, including cars, light trucks, motorcycles, boats, motor homes, travel trailers and personal watercraft.


Don’t forget to ask about this valuable benefit when applying for your next vehicle loan! Already have an auto loan with us? If you've had it for less than 18 months, ask about adding GAP now! 


Payment Protection

Even though unemployment, death and disability are things we don’t like to think about, these events can bring about financial impacts that can add to an already stressful situation. If you should find yourself unemployed, become disabled or pass away, Payment Protection can help alleviate some of the financial burden for you and your family.


We offer Payment Protection for most consumer loans, including Visa® credit cards and personal lines of credit, as well as home equity loans and lines of credit. There are several options available; for example, you can choose coverage for a single scenario (e.g., involuntary unemployment), two scenarios (e.g., death and disability), or all three.


Your Member Consultant will be happy to review these options and associated costs when you apply for a loan.


Please feel free to contact us at 800.562.0999 if you have questions.