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Debt Protection

GAP Plus

East Idaho Credit Union's Guaranteed Asset Protection Plus (GAP Plus) is a way to help protect your vehicle loan. Many times primary auto insurance settlements don't pay off your loan balance. When you buy a new or used vehicle, there's no way to know if it will be stolen or totaled in an accident. With GAP Plus, you're protecting your vehicle against a possible financial loss.

Fill the gap between the depreciated value of your vehicle and the remaining balance of your loan with EICU's GAP Plus.

  Motor Vehicle Small RV Watercraft RV
Maximum Benefit $50,000 $50,000 $50,000 $50,000
Maximum Loan/
Loan to Value
125% 125% 125% 125%
Maximum Loan/
Lease Term
84 Months 84 Months 144 Months 144 Months
Maximum Loan/
Lease Amount
$100,000 $100,000 $50,000 $125,000

Mechanical Breakdown Protection

Mechancial Breakdown Protection (MBP) is a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem, that's why so many people depend on Route 66 Warranty. No matter where you travel in the United States, we protect you against major mechanical expenses and there is NO DEDUCTIBLE on covered parts and labor. All of our plans come with 24 hour/7 days a week Emergency Roadside Service.

  • Towing
  • Flat Tire Assistance
  • Battery Jump Starting
  • Lock-out Service
  • Safe and Secure Package
  • Minor Adjustments
  • Rental Car Allowance

If you're a holder of a Route 66 Warranty... When repairs are necessary or questions arise simply call Route 66 prior to any repairs and we'll take care of it from there... it's that simple.

  • No Deductibles
  • Nationwide Coverage
  • 24/7/365 Emergency Roadside Service
  • 60 Day Money-Back Guarantee
  • Transferable
  • Direct Payment Visa/Mastercard

*Complete terms and provisions are contained within each Service Agreement. Please read Service Agreement for complete details

First Street - Drivetrain Coverage


ENGINE

Crankshaft & bearings, oil pump, pistons, rings, connection rods & bearings, timing gears, chain/belt, camshaft, bearings, push rods, rocker arms/shaft, hydraulic lifters, intake and exhaust valves and springs, Engine blocks covered if mechanical failure was caused by above-listed parts.

DRIVE AXLE ASSEMBLY
  • 2-Wheel Drive: Drive shaft, ring/pinion gears, pinion bearings, side carrier bearings, carrier assembly, thrust washers, axle bearings, universal joints, CV joints, *drive axle housing.
  • 4-Wheel / All-Wheel Drive: Drive shaft, differential & CV joints, transfer case parts listed on contract. *Except if boot was damaged or missing.
STANDARD TRANSMISSION

Internal transmission parts consisting of gears, input and output shafts, bearings, overdrive housing and transmission case if malfunction was caused by the above listed parts.

COOLING

Water Pump, - Limited to 50% parts & labor.

AUTOMATIC TRANSMISSION

Internal transmission parts consisting of gears, input and output shafts, bearings, front pump, planetary assembly, governor assembly, valve body, torque convertor, transmission case.

ELECTRICAL

Alternator, Starter and Voltage Regulator - Limited to 50% parts & labor.

24 HR EMERGENCY ROADSIDE SERVICE

Towing, flat-tire assistance, lock-our service, "jump-starting", fuel and fluid delivery, Safe and Secure Package.


Main Street - Deluxe

Includes all items in First Street plan plus the following

COMPONENTS COVERED

AIR CONDITIONING

Compressor, evaporator, accumulator and condenser, if factory installed.

FUEL DELIVERY

Fuel pump, fuel tank, fuel injectors, metal fuel lines, fuel sending unit.

STEERING

Power steering pump, steering gear housing and its internal parts and rack and pinion assembly.

FRONT SUSPENSION*

Upper/lower control arms, upper/lower ball joints, steering knuckle, wheel bearings, control arm shaft and bushings.

BRAKES

Master cylinder, ABS master cylinder, vacuum booster, wheel cylinders, disk brake calipers, hydraulic lines and fittings.

ELECTRICAL

Battery, voltage regulator, alternator, wiper motors and module, window motors, cooling fan motor, electric fuel pump, ignition module and coils, engine operation computer, distributor, starter solenoid, seat motors, door lock actuators, manually operated switches for above-listed parts.

COOLING

Radiator, fan clutch, water pump, cooling fan motor.

ENGINE

Timing chain, belt tensioner & guides, intake manifold, head gaskets, valve lash adjusters, pickup screen & tube, valve guides, valves spring locks & retainers, harmonic balancer.

AUTOMATIC TRANSMISSION

Chain, drum assembly, solenoids, bushings, accumulator, clutches, bands, servos, parking pawl, speedometer gear, transmission cooler, pistons.

*Vehicles under 85,000 miles at contract purchase.

Easy Street - Factory Type


COMPONENTS COVERED

Because we cover so many components, it is not possible for us to list everything that falls under our coverage. Instead, we list a small number of parts that are not covered: oil, brake shoes, belts, hoses, tires, tune-up items, filters, a/c coolants, exhaust and emission parts, sound reproduction, cosmetic and body parts, glass and paint. See contract for complete listing.

RENTAL CAR ALLOWANCE

Provided to get you back on the road quickly.

24 HR EMERGENCY ROADSIDE SERVICE

Towing, flat-tire assistance, fuel and fluid delivery, jump-starting, lock-out service and more.

Credit Disability

WHAT IS CREDIT DISABILITY INSURANCE?

It’s a way to help protect your loan. There's no way anyone can predict a total disability due to injury or an illness, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. East Idaho Credit Union's Credit Disability Insurance may help make your loan payment when you and your family need it most.*

HOW DOES CREDIT DISABILITY INSURANCE WORK?

The premium is included in your monthly loan payment. If you have a balance on your loan at the time of a total disability East Idaho Credit Union's Credit Disability Insurance may help.* By taking a few simple steps while signing your loan paperwork, you’re taking responsibility for your family's financial future. Your loan officer can show you how. You won't receive extra bills or statements; everything is included in your monthly payment. You can cancel coverage at any time if you change your mind. If coverage is canceled within the first 30 days you will receive a full refund. Coverage is immediate for eligible borrowers.

WHY IS CREDIT DISABILITY INSURANCE VALUABLE?

Some disability insurance pays only a fraction of your salary, and that's if you qualify. East Idaho Credit Union's Credit Disability Insurance may help make your loan payments while you're totally disabled due to a covered illness or injury.* That means you and your family can use your savings for other important things.

Ask an EICU loan officer about Credit Disability Today!

*Up to your policy maximums: per terms and conditions and exclusions on your Credit Insurance Certificate.

Credit Life

WHAT IS CREDIT LIFE INSURANCE?

It's a way to help protect your loan. There's no way your family can predict your unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected occurs. Credit Life Insurance may help pay your loan, so your loved ones don't have to.*

HOW DOES CREDIT LIFE INSURANCE WORK?

The premium is included in your monthly loan payment. If you have a balance on your loan at the time of your death, Credit Life Insurance may help.* By taking a few simple steps while signing your loan paperwork, you're taking responsibility for your family's financial future. Your loan officer can show you how. You won't receive extra bills or statements; everything is included in your monthly payment. You can cancel coverage at any time if you change your mind. If coverage is canceled within the first 30 days you will receive a full refund. If at any point you have questions, or if your family needs to file a claim, simply contact your credit union. Coverage is immediate for eligible borrowers.

WHY IS CREDIT LIFE INSURANCE VALUABLE?

Your family may not have to make loan payments -Credit Life Insurance may help pay off the loan. That means your family can use savings, salary or other life insurance for other important things.

Ask an EICU loan officer about Credit Life Today!

*Up to your policy maximums: per terms and conditions and exclusions on your Credit Insurance Certificate.

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