Important Coronavirus Update

The health and safety of our members and employees is our top priority. During this time, we strongly encourage you to take advantage of our Mobile App, Online Banking and our Member Services Call Center at 678-486-1111 for your financial needs.
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Guaranteed Asset Protection

Guaranteed Asset Protection (GAP) That Covers Your Deductible

It’s a No-Brainer…Only $399 & You’re Covered*

If the unexpected happens to your vehicle, you could lose more than just the vehicle; you could lose your entire investment. Guaranteed Asset Protection (GAP) protects you against financial loss in the event your vehicle is damaged beyond repair or stolen and never recovered.

Since a vehicle’s value declines as a result of depreciation, the loan balance can be higher than its actual cash value. Without GAP coverage, you would be responsible for paying the difference between the insurance settlement and the outstanding loan balance. With the purchase of GAP, the deficiency balance may be waived.

Benefits Include:

  • Auto Deductible Reimbursement up to $500*
  • Eliminates or reduces “out of pocket” expenses for the remaining loan balance after loss settlement
  • Ability to purchase a replacement vehicle sooner because there is little or no carry-over balance
  • Much more affordable pricing than the dealership
  • Protected Credit Rating
  • Peace of mind
Don’t regret the decision later – add GAP to your Auto Loan today!


In the event your vehicle is deemed a total loss due to an accident or theft, your auto insurance policy will usually cover only the actual cash value or market value of your vehicle less a deductible. This settlement could be significantly less than the amount you owe to your lender or leasing company. The final result is a financial GAP where you must make up the difference, which could mean thousands of dollars out of your pocket.


Guaranteed Asset Protection protects individuals who finance a new or used vehicle from the financial GAP.

In the current market, during the first few years that you own your vehicle, your loan/lease balance can be higher than the actual value of your vehicle, as a result of depreciation. As your vehicle’s value declines, your loan/lease balance may decline more slowly, resulting in a financial gap. If your vehicle were stolen or totaled in an accident, you would be liable to pay the difference between your insurance settlement and your outstanding loan/lease balance.

Guaranteed Asset Protection covers the difference between the actual cash value of your vehicle and the loan/lease balance, less delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges.

Guaranteed Asset Protection is administered by a third party provider. Please see our Privacy Policy for additional information on services offered by third parties.

*Auto Deductible pays up to $500 per loss (limit of two losses per year) when a Loss is filed and paid by the Auto Insurance Company for a Covered Auto the members owns or leases evidenced by the title or registration, AND insures under an Auto Insurance Policy designating the Member as the Name Insured. Loss means an event for which the Auto Insurance Company has approved and paid a collision or comprehensive claim which exceeds the Auto Insurance Policy Deductible for the Covered Auto. Motorcycles, Boats, ATVs and Personal Watercraft are not covered.