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GAP Plus Coverage + Auto Deductible Reimbursement


Guaranteed Auto Protection PLUS

Safeguard yourself against the unexpected with Guaranteed Auto Protection (GAP) PLUS from USSFCU. If your vehicle is stolen or declared a total loss, GAP PLUS steps in to cover the shortfall between your auto loan balance and your insurance payout. Plus, enjoy an extra perk—a $1,000 deduction towards your next vehicle loan at USSFCU.*

Opt for GAP PLUS from USSFCU, and you'll also receive complimentary Auto Deductible Reimbursement:

  • Reimburses up to $500 per Loss (UNLIMITED losses per year)
  • Applicable when a covered auto owned or leased by a member faces a loss covered and paid by the auto insurance company
  • The member must be named as the insured in the auto insurance policy
  • A "Loss" is defined as an event for which the auto insurance company approves and pays a collision or comprehensive claim exceeding the policy deductible for the covered auto.
  • Coverage starts upon enrollment and continues for three years.

You can get USSFCU's GAP PLUS &  Auto Deductible Reimbursment together for only $399.

"Gap insurance costs between $400 and $700 when purchased from a dealership." - WalletHub

Explore more details in our GAP PLUS Brochure or call 800.374.2758.

For financing options and additional auto services, visit

*Replacement vehicle must be financed within 90 days of the date your primary insurance company pays the claim on a total loss. Contact the Credit Union at 800.374.2758 for full details. **Auto Deductible Reimbursement summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please contact a USSFCU representative at 800.374.2758 for complete terms and conditions, limitations, definitions, and exclusions.

Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. All new or used motor vehicles with a maximum loan of $100,000 are eligible. Recreational Vehicles (RVs including motorcycle, snowmobile, ATV, motor home, classic car, golf cart, watercraft (i.e., boat or jet ski), or similar vehicles) are at a different policy rate and other limits apply.

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.

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!

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.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

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.

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.

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 ...

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!

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.

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.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

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.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

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.

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.

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.

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.

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.

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