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Three Great Protection Programs

Protect your assets and your family...and gain peace-of-mind

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The NIH Federal Credit Union provides a variety of programs at exclusive member rates to help protect your assets while providing you and your family with added peace of mind.

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Protect your loans with NIHFCU Loan Guardian

NIHFCU Loan Guardian is available to protect your credit card, auto or personal loan from continuing payments and debts following, unexpected life events including

  • Death

  • Disability, and

  • Involuntary unemployment.

Depending on the situation, Loan Guardian could even cancel your remaining payments up to the contract maximums.1 Check out this video to learn more:

Call us
1-800-877-6440
Visit a Branch
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Guaranteed Asset Protection (GAP) makes the difference

If you have a total loss accident, or your vehicle is stolen, our GAP Plus2 coverage may help pay the difference between what your insurance will cover and the amount you still owe on your NIHFCU loan. GAP Plus will also cancel $1000 off your next auto loan when you purchase a replacement vehicle within 60 days of your primary insurance settlement. GAP Plus coverage also includes:

  • Incredible rates, just $3953 for motor vehicles and $4193 for motorcycles

  • Option to roll cost into your loan payment (equating to just cents per day) or pay upfront

  • Deductible assistance available for comprehensive and collision claims

  • $1,000 canceled off your next NIHFCU auto loan, when you purchase a replacement vehicle within 60 days of your primary insurance settlement.

Check out this video to learn more:

Call us
1-800-877-6440
VISIT A BRANCH
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Mechanical Repair Coverage (MRC) 4

MRC protects your vehicle against costly repairs not covered by a factory warranty. NIH Federal Credit Union offers an MRC plan for any budget. Each plan comes with unique coverage levels and deductibles and includes:

  • Acceptance at any authorized repair facility in the US and Canada

  • Car rental reimbursement5

  • 24-hour emergency roadside assistance6

  • Travel reimbursement when you’re far from home7

  • Ability to transfer coverage when you sell your vehicle

Mechanical Repair Coverage is available for vehicles financed at the NIHFCU or anywhere else. Check out this video to learn more:

Call us
1-800-877-6440
VISIT A BRANCH
Financial wellness begins and ends with the facts. Here’s what you need to know!
1 Programs vary by state. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms and conditions of the NIHFCU Loan Guardian Debt Protection program. You may cancel the protection at any time. If you cancel within 30 days, you will receive a full refund of any fee paid. Purchasing Loan Guardian protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain the loan.
2 Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. GAP-1062538.1-1114-1216
3 As of September 1, 2018; subject to change without notice at any time
4 Programs vary by state. MEMBERS CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in FL, LA, OK and WI where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60032) and in TX, where the Obligor and Administrator is Consumer Program Administrators, Inc., doing business as The Administrators of Consumer Programs; and in WA where the Obligor and Administrator is National Protection Care Company, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. MRC-1613248.1-1016-1118 © CUNA Mutual Group 2016, All Rights Reserved
5 Rental reimbursement: up to $35/day for 5 days (up to an additional 5 days for a verifiable parts delay) from day one.
6 24-hour emergency roadside assistance: up to $100/occurrence. Includes towing, battery jump, fluid delivery, flat tire and lock-out service.
7 Travel reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.