Mechanical Repair Coverage (MRC)

Mechanical Repair Coverage (MRC)

Limited-Time Offer!

Purchase Mechanical Repair Coverage (MRC) between August 1 – September 30, 2025, and you'll be automatically entered into a drawing to win $2,500! One lucky winner will be selected.* See official rules below.

Protect Your Vehicle, Your Budget, and Your Peace of Mind

As your vehicle gets older, the chance of unexpected breakdowns increases—and so do the repair costs. Mechanical Repair Coverage (MRC) helps cover the cost of parts and labor for many common (and expensive) vehicle repairs, giving you peace of mind long after your manufacturer’s warranty ends.

Details and Benefits

  • Protection from Expensive Repairs - Covers the cost of unexpected breakdowns for hundreds of vehicle components—potentially saving you thousands.
  • Nationwide Coverage - Use any authorized repair facility in the continental U.S., Alaska, Hawaii, and Canada.
  • Direct Payment to Repair Shops - No upfront cost for covered repairs (just your deductible, if applicable).
  • Rental Reimbursement - Up to $50/day (10-day max) while your vehicle is in the shop.
    (Limited to $35/day in CA, 5-day max unless parts are delayed)
  • 24/7 Emergency Roadside Assistance - Includes towing, battery jumpstarts, fluid delivery, flat tire help, lock-out service, and more—up to $125 per event.
  • Travel Expense Reimbursement - If your breakdown occurs 100+ miles from home and your vehicle is held overnight, you’ll be reimbursed up to $200/day (5-day max) for lodging, meals, and transportation.
    (Not available in NY)
  • Extra Perks Included
    • Key fob replacement (up to $800 per occurrence)
    • Paintless dent repair
    • Coverage for ride-sharing and select commercial use
    • Lift, leveling, and lowering kit support (up to size limits)
    • Mobility equipment coverage
    • Coverage is transferable if you sell your vehicle privately

What’s Typically Covered?

Depending on the plan you choose—Silver, Gold, or Platinum—MRC may include repairs for:

  • Engine and transmission systems
  • Electrical and hybrid components
  • Brakes, steering, suspension, and A/C
  • High-tech features like GPS, blind spot sensors, lane departure alerts, and more
  • Power windows, locks, heated seats, backup cameras, and infotainment systems

For a full list of covered components by plan, talk to USSFCU or view the plan brochure.

Choose the Plan That Fits Your Needs

  • Silver Plan – Covers key powertrain and electrical components
  • Gold Plan – Includes Silver + hybrid/electric systems and more
  • Platinum Plan – Our most comprehensive coverage

Deductible options available: $0, $100, $250, or $500
Availability of deductible options may vary by plan and state.

Submit a Claim

MRC Claims Administration:

www.vehiclecareplan.com | 800.752.6265

Hours of Operation: 7:00 AM – 7:00 PM CST (M-F)

Protect your car—and you could win $2,500!*

Available with new, used, or refinanced loans
Already have financing? You may still qualify.

Call Member Services at 800.374.2758 to find out which plan you might be best for you.


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

 

*Promotion valid August 1 through September 30, 2025. No purchase necessary to win. One entry per person. A purchase does not increase the chances of winning. Odds of winning depend on the number of eligible entries received. Grand prize: One (1) winner will receive $2,500. Members who purchase Mechanical Repair Coverage (MRC) through USSFCU during the promotional period will be automatically entered into a drawing for a chance to win the grand prize. The winner will be randomly selected from all eligible entries received by 11:59 pm EDT on September 30, 2025. Winner will be selected and notified by October 15, 2025. To enter without purchasing MRC, print your full name, mailing address, phone number, and email address on a postcard or letter and mail it to:
USSFCU Marketing Department
Attn: MRC Giveaway
1310 Braddock Place, Alexandria, VA 22314
Mailed entries must be received by 11:59 pm EDT on September 30, 2025, to be eligible. Mailed entries are also limited to one entry per person.

MRC must be purchased through USSFCU. It may be added to a USSFCU vehicle loan or to a qualifying vehicle financed elsewhere. MRC is not available for purchase by residents of California. Eligibility for MRC is based on vehicle VIN and mileage. Some makes and models are excluded. No private party sales, Carvana purchases, third-party broker, or auction services are eligible.

Offer, terms, and conditions are subject to change without notice. Void where prohibited.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, 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. The purchase of Mechanical Repair Coverage is optional. All coverage is subject to specific limitations and conditions as outlined in the Service Agreement. Some auto makes and models are excluded. Plan eligibility determined by vehicle Vin Number and mileage. This webpage provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, nonOEM or remanufactured.

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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