Accentra Credit Union

800.533.0448

  • Facebook
  • Twitter
  • Instagram
  • LinkedIn
  • Pinterest
  • Google+
  • Checking & Savings
    • Accent Checking
    • Basic Checking
    • Business Checking
    • Debit Cards
    • Share Savings
    • Savings Rates
    • Christmas Club
    • IRA
    • Money Market
    • Certificates of Deposit
    • WINcentive™ Savings
  • Loans & Credit Cards
    • Personal Loans
    • Vehicle Loans
    • Home Loans
    • Commercial Loans
    • VISA Credit Cards
    • Loan Protection
    • Loan Rates
    • Verify Insurance
    • Student Loans
  • Plan & Protect
    • TruStage
    • Accentra Investments
    • Fraud Monitoring
    • Loan Protection
    • Mechanical Breakdown Protection
    • Guaranteed Asset Protection
    • LegalShield/ID Protection
  • Resources
    • Bill Pay
    • Calculators
    • Disclosures
    • Discounts
    • E-Statements
    • Forms
    • Mobile Banking
    • Mobile Deposit
    • Money Management
    • Online Banking
    • Sponsorships and Donations
    • TurboTax
    • uChoose Rewards
    • Vehicles for Sale
    • VISA Gift Cards
    • VISA TravelMoney Cards
    • Wire Service
    • Text Alerts
    • Banzai
    • How Are We Doing?
    • Holiday Schedule
    • Safe Deposit Boxes
    • Scholarship Application
    • Mobile Wallet
  • About & Join
    • History
    • Membership
    • Leadership
    • Locations & Hours
    • Employment Opportunities
    • Newsletters
    • Testimonials
    • Contact Us
  • Financial Tools - Banzai
  • Bill Pay
  • Calculators
  • Disclosures
  • Discounts
  • E-Statements
  • Forms
  • Holiday Schedule
  • How Are We Doing
  • Insurance Agent Contact
  • Mobile Banking
  • Mobile Deposit
  • Mobile Wallet
  • Money Management
  • Online Banking
  • Safe Deposit Boxes
  • Scholarship Application
  • Sponsorships and Donations
  • TurboTax
  • UChoose Rewards
  • Vehicles for Sale
  • VISA Gift Cards
  • VISA Travel Moneycards
  • Wire Service

Online Banking Secure Login

Page Title

Guaranteed Asset Protection (GAP)

  • Personal Loans
  • Vehicle Loans
    • Mechanical Breakdown Protection
    • Guaranteed Asset Protection
  • Home Loans
  • Commercial Loans
  • VISA Credit Cards
  • Loan Protection
  • Loan Rates
  • Verify Insurance
  • Student Loans

Guaranteed Asset Protection (GAP)

If your car is stolen or totaled in an accident, most auto insurance policies only cover the vehicle’s Blue Book value, and you’re left to pay the difference between what your car is worth, and what you still owe. GAP may cover any remaining balance between your insurance settlement and your outstanding loan.


GAP can be added to new or used vehicle loans. It covers losses up to $100,000 and insurance deductibles up to $1,000. It's available on loans originally financed for 100% or more of the car's value, and for loan terms of up to 84 months. In addition, GAP Advantage provides members with a credit of up to $1,000 towards the financing or lease of a vehicle, acting as a down payment, if the loan is funded by Accentra. You can add GAP to your loan when you purchase your car, or call us at 800-233-2328 to add it to an existing loan.

Accentra is the only financial institution in our area that includes Auto Deductible Reimbursement (ADR) as an additional benefit to our GAP offering. ADR pays members back up to $500 of their deductible for an accident involving any vehicle titled to that member. ADR can be paid twice a year for the first three years, for a total possible benefit of $3,000.

GAP is available for all vehicles, motorcycles, ATVs, boats, RVs, and more. Contact a Financial Services Representative for more information today.
  • Checking & Savings
  • Loans & Credit Cards
  • Plan & Protect
  • Resources
  • About & Join

Privacy Policy

ABA ROUTING AND TRANSIT NUMBER: 291973292

© Copyright 2023. Accentra Credit Union. All Rights Reserved

At times, we may provide links to sites outside the control of our institution. We do not make any representations concerning the linked sites' contents or availability. You should review each site's privacy and information security policies carefully before you enter confidential information.

Deposit and Loan Products offered by: Accentra Credit Union, An Equal Housing Lender
NCUA Web Design by In10sity