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Protect Your Loan

In addition to providing various financing options to ensure you get the auto loan that best matches your needs, we offer multiple ways to protect your investment. From loss of job or income to damage, repairs, and breakdowns — we’ve got you covered.

Most protection options can be financed right into your monthly auto loan payment and added even after you already have your First Northern loan!

You depend on your car.

But if big, unexpected repairs happen after your factory warranty expires, it can be costly—or even leave you without your vehicle. With First Northern's Mechanical Repair Coverage (MRC), we can help limit the costs of covered breakdowns.

With a plan, MRC pays the cost of parts and labor for any covered repair. You pay just the no- or low-cost deductible amount and drive away. Choose from our Platinum, Gold, or Sliver plan and pay upfront with one lump sum, or even finance it as part of your auto loan. Not only does coverage include maintenance service and parts including engine, transmission, brakes, steering, but it also includes:

  • Limit repair costs to your deductible, if any.
  • Choose your deductible1: $0, $100, $250 or $500
  • Rental reimbursement up to $35/day for 5 days from day one
  • 24-hour emergency roadside assistance up to $100 per occurrence. Includes towing, battery jumpstart, fluid delivery, flat tire assistance, and lock out service.
  • Travel expense reimbursement up to $200/day for 1-5 days for food, lodging, and transportation expenses2.
  • Good at any authorized repair facility in the US or Canada
  • No out-of-pocket expense except any deductible. Plan pays the repair facility.
  • Transferable to increase resale value. (Only if sold privately. Subject to transfer fee.)
  • Cancel for full refund within 60 days3

Protect your investment today.

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1 Not every deductible option is available for all MRC Coverage Plans or Terms. 2 Only when a covered breakdown occurs 100 miles or more from home. (Not available to NY residents.) 3 Full refund available only if coverage is unused in the first 60 days. If used or canceled after 60 days, refund is prorated less administrative fee. Cancelations administrative fees vary by state.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.

Did you know that if your new vehicle were totaled or stolen, your insurance company might not pay off your entire loan balance?

Guaranteed Asset Protection (GAP) has you covered.

The value of a new vehicle rapidly declines during the first few years and your loan balance may be higher than the value of your vehicle. At a low, one-time cost that can be financed into your vehicle loan, GAP may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan if your vehicle is deemed a total loss.

For only a few dollars more, enroll for GAP Plus! 

GAP Plus helps you get into your next vehicle by providing an additional $1,000 to help you purchase a replacement vehicle if you finance that car through First Northern.

Is GAP or GAP Plus coverage for you?

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GAP or GAP Plus can even be added even after your loan is funded, by paying the fee upfront. Protect your investment today.

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Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchase from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.

Even the most reliable vehicle can develop a mechanical problem.

We are proud to offer our members Route 66 Extended Warranty for peace of mind protection for all makes and models of automobiles—at a much lower cost than you would pay at a dealership.

  • Choose from 3 plans—up to 60% cost less than the same coverage offered at a dealership
  • Protected anywhere you travel in the U.S.
  • No deductible on covered parts or labor
  • Plans include 24/7 roadside assistance and car rental reimbursement for the life of your service agreement.
  • Vehicle repairs can be done at any ASE Certified repair facility nationwide
  • Transferable if you sell your vehicle via private purchase
  • 30-day money back guarantee
  • Total loss refund—if your car is declared a total loss by the insurance company, Route 66 will refund the entire original premium of your service agreement.
  • Can be added to your existing auto loan, even after funding.

Protect your investment today.

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Complete terms and provisions are contained within each Service Agreement. Please refer to your Service Agreement for complete details.

Life is full of surprises, some of which can be complicated—and costly. Prepare for the unexpected with our Debt Protection coverage to keep your life on track when things take a sudden turn.

Protecting your loan payments against death, disability, hospitalization, or involuntary unemployment could help protect your finances. This coverage could cancel your loan balance or payments up to the contract maximums and can be added even after you already have your First Northern loan. In fact, we can add it any time during the life of your loan.

Protect your loan payments today so you can worry a little less about tomorrow.

What does Debt Protection cover? 

  • If protected borrower passes away, it cancels your loan balance if you have an eligible loan. 
  • If a 48-consecutive-hour hospital stay occurs, it cancels your loan payments if you have an eligible loan. 
  • If a covered disability occurs due to injury or illness, it cancels your loan payments if you are a permanent employee who is actively working. 
  • If a covered job loss occurs, it cancels your loan payments if you are a permanent employee who is actively working.

Protect your family and your credit rating today.

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* Refer to the Member Agreement for a full explanation of terms and conditions.

Your purchase of Debt Protection 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 Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

You May Be Paying Too Much for Car InsuranceYou May Be Paying Too Much for Car Insurance

You work hard for your money and even harder to keep your budget on track. So why spend too much on car insurance—maybe hundreds of dollars too much.

First Northern Credit Union members may qualify for discounts on car insurance through the TruStage® Auto Insurance Program. You could save big, and it can be easy to switch carriers—without losing any money.

TruStage offers a powerful mix of savings and popular, member-friendly benefits:

  • Credit union member discount*
  • Nationally recognized companies
  • Friendly, 24/7 service—even on holidays
  • Discounts for multiple vehicles, safety features, good driving and more*
  • Mobile app for easy claims

It’s easy to get a free quote today. Don’t wait to see how much you could save.

A Tradition of Strength

TruStage is part of a heritage of faithful service to credit union members spanning more than 80 years. Over 20 million people have selected TruStage for Accidental Death & Dismemberment, life, auto & home insurance and more.

 

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. *Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

© 2020 TruStage Insurance Agency

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