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Life can sometimes be accompanied by the unexpected.

Our optional solutions below help secure some peace of mind by knowing you are covered when the unexpected occurs!



Guaranteed Asset Protection (GAP)

Don’t get stuck paying for a vehicle you no longer have! While typical insurance covers the costs associated with a total loss accident or unrecovered theft, that isn't always the case. If what you owe on your vehicle loan is higher than the total cash value of the collateral, the difference or “GAP” is not covered by your insurance plan.
With our GAP Advantage solution, gain peace of mind knowing you will have help paying off the remaining loan balance.
Check out these other great benefits of GAP Advantage:
  • $1,000 credit towards the financing of a replacement vehicle when financed or leased with MOVFCU
  • Includes Advantage at no additional cost (see details below).
  • Generally priced below similar protection sold by automobile dealerships.
  • You can conveniently add GAP to your loan.
  • Helps protect the borrower's credit rating.

What is the Auto Advantage Plan? We're so glad you asked!!

Most accidents don’t result in the vehicle being totaled. With the purchase of MOVFCU GAP Advantage, you also gain the complimentary benefit of the MOVFCU Auto Advantage Plan; which includes an Auto Deductible Reimbursement (ADR) benefit.

Bonus! Our Auto Advantage program covers ALL autos the borrower owns and insures (not just vehicles financed with MOVFCU). To receive the deductible reimbursement, the vehicle must be registered/titled and insured to the borrower, and it must be a loss covered by the borrowers insurance policy. Learn more here!


Need to file a GAP or ADR Claim? Contact us by phone or email: [email protected] to get started!


Guaranteed Asset Protection (GAP): Your purchase of GAP is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP. This information will include a copy of the GAP Waiver Addendum which will contain the terms and conditions of GAP benefit. 

GAP eligibility requirements, conditions, and exclusions. 

There are eligibility requirements, conditions and exclusions that could prevent you from receiving GAP benefits. You should carefully read your GAP Waiver Addendum Form for a full explanation of the benefits, rules, terms and conditions of the program. This webpage is not a contract. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. GAP is subject to limitations and exclusions, including but not limited to a loan-to-value (LTV) maximum, other insurance-related charges. 

The MOVFCU Auto Advantage Plan is not available on GAP policies purchased prior to 07/01/2020.

Mechanical Breakdown Coverage (MBP)

Comptetitive Prices. Long Term Vehicle Service Contracts.

Drive with the peace of mind knowing that with MOVFCU Mechanical Breakdown Protection (MBP) you have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures. MBP is available for both new and used vehicles. This coverage will protect your vehicle after your warranty has expired.

Our solutions are offered through our partner, Route 66 ...Best part! You do not have to have a loan or a new car to purchase this protection.

Additional Benefits:

  • Drive your car with ease, even the most reliable vehicles breakdown
  • MOVFCU MBP plans often cost much less than dealerships and alternative solutions
  • $0 Dollar Deductible on all plans
  • Emergency Roadside Assistance & Towing
  • Rental Car Allowance
  • Tire Protection
  • Battery Coverage
  • Nationwide Coverage
  • Transferable

Coverage option details can be found here!

Ready to protect your investment? Get a quote today!



Need to file a claim for an exisiting MBP plan?*



Mechanical Breakdown Protection (MBP): MBP is subject to limitations and exclusions. To find out whether or not MBP is right for you, please contact Missouri Valley Federal Credit Union Financial Services Department at 636.978.8800. 

*For warranties purchased prior to 07/01/2020, please contact the Credit Union for claims assistance. 

Auto Essentials (VPP)

Auto Essentials, commonly referred to as Vehicle Protection Package (VPP), is a package of coverage that protects you from normal driving incidents and out-of-pocket expenses that aren't typically covered by insurance policies, manufacturer's warranties or extended warranties.
• Key or Remote Replacement: Replacement of lost, stolen or destroyed keys or remotes.*
• Tire & Wheel Road Hazard Protection: Repair or replacement of punctured, cut, or flat tires and damaged wheels/rims due to road hazards or potholes. Includes cosmetic repair of wheels. 
• Paintless Dent Repair: Permanently removes door dings and minor dents without harming a vehicle’s factory finish.
• Windshield Repair: Repairs chips and cracks caused by propelled rocks or road hazard debris while driving on public roads, streets, and highways.**
• Towing: A tow truck will be sent to your location.
• Emergency Roadside Service:  Basic mechanical repair performed at your location to get you back on the road.
• Essential Fluids Delivery: Includes delivery of gasoline, water, or oil.
• Flat Tire Assistance: Your flat tire will be repaired or changed with your good spare.
• Emergency Battery Assistance: Repairs include jump-starting your dead battery.
• Lockout Service: A locksmith will be dispatched to your location if you are accidentally locked out of your vehicle.

All descriptions are for informational purposes only. Please refer to the actual coverage agreement for specific details.

Key or Remote Replacement not available to consumers who reside in WY. ** Windshield Repair not available to consumers who reside in FL.

Depreciation Protection (DPW)

Depreciation Protection (DPW) protects your vehicle equity and hedges against depreciation over the life of the loan. In the event of a total loss, DPW provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of loss up to a maximum waiver benefit of $10,000, or the outstanding loan balance.
• Protection for collision 
• Life-of-loan Protection
• No mileage or year restrictions
• Protection for theft and fire
• 100% open enrollment
• Protection for vehicle depreciation
• Finance 90% LTV or less
• Put money down
• Trade in a vehicle
• Make accelerated loan payments
• Need to protect equity

*Maximum Waiver Benefit can vary depending on level of protection selected and/or offered. Please reference the waiver addendum for specifics regarding maximum waiver amounts. 


Credit Insurance

Credit Insurance May Make Your Loan Payments When You Can’t

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against unexpected disability and covered life events could help protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

Credit disability and credit life insurance may help reduce or pay off your covered loan or make your monthly loan payment, up to the policy maximum, in the event of a covered life event, injury, illness or death.

You decide which payments you want to protect and the monthly premium may be added to your loan. Coverage is designed to fit your lifestyle, it is totally voluntary, and it won’t affect your loan approval. It’s simple to apply for individual or joint coverage. You can sign up for credit life and/or disability insurance at your loan closing, or anytime you’d like.

Ready to learn more? Let's connect! Chat with one of our helpful Financial Services Team Members when calling the Credit Union at 636.978.8800.


CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (home office: Waverly, IA), 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 Group Policy for a full explanation of the terms.Base Policy Nos. CI-MP-POL,CI-SP-POL,B3a-830-0996,B3a-800-0695,B3a-800-0288,CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992.

CA Only: Claims may be fled by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800-621-6323. California Department of Insurance Consumer Hotline: 800.927.4357. Credit Union License #:

VT Only: Claims may be fled by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323.

Only a licensed insurance agent may provide consultation on your insurance needs. CDCL-2039351.3-0620-0722

©2020 CUNA Mutual Group, All Rights Reserved. OMS #: IM3207




Our helpful team members are always just a call, email, or text away!


Important Notice: These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by, Missouri Valley Federal Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance or protection products. Nor will it affect the terms of any existing credit agreement you have with us. You may obtain insurance to protect your loan from an entity not affiliated with Missouri Valley Federal Credit Union.

Not all loan types offered by our institution are eligible for the insurance products and solutions outlined above. Please review the individual options, including disclosures, waivers, and addendums or connect with a Missouri Valley Federal Credit Union team member to determine individual loan and/or collateral eligibility.