Protecting Your Loans


Auto Loans • MEMBER’S CHOICE Borrower Security
Now you don’t have to lay awake at night worrying about what will happen if the unexpected occurs. MEMBER’S CHOICE Borrower Security can take care of canceling your eligible loan, up to the agreement maximum, should you die before paying off your loan. In addition, if you become disabled due to a covered illness or injury, or become involuntarily unemployed, MEMBER’S CHOICE Borrower Security can cancel your monthly loan payment, up to the agreement maximum. With MEMBER’S CHOICE Borrower Security, you pay low group rates and only buy enough protection to cover your loan balance, making payments truly affordable. Life, Disability and Involuntary
Unemployment Protection is available on all consumer loans, including credit cards and Home Equity loans.

• Mechanical Repair Coverage
With MMP, You Can Get the Most Out of Your Mileage!
As time goes on, the likelihood of mechanical failure on your vehicle is inevitable. Advanced electronics, complex systems, and rising labor costs mean that a repair that might have cost hundreds of dollars a few years ago may now cost you thousands. With Major Mechanical Protection (MMP) from Heritage Family Credit Union, you can protect yourself against the expense of future costly repairs. The total cost of MMP is often far less than the cost of a single repair! Pay for this protection once, and in most cases you will not have to pay anything more than a small deductible should a breakdown occur.
To learn more about MMP, call your loan officer or service representative today!

• Guaranteed Asset Protection with PowerBuy
Will Your Insurance Cover Your Auto Loan in the Event of a Total Loss or Theft? Probably not. Even the best auto insurance may not cover the entire amount you owe on an auto loan. In fact, if the average new car owner has their vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after the insurance settlement. GAP Advantage with PowerBuy can pay up to the remaining balance of your auto loan after an insurance payout AND give you $1,000 plus $2,500 to finance your next vehicle with us. GAP Advantage with PowerBuy* makes up the difference between what your insurance policy covers and the amount you still owe—in most cases. So, instead of paying off a substantial loan balance for a vehicle you can no longer drive, you could be free and clear of your car note and have funds to put toward a down payment on a new car. With this valuable product, you can rest easy knowing that your auto loan won’t be a burden if an unexpected accident or theft occurs. To learn more, call your loan officer or service representative today!

*GAP Advantage with PowerBuy is considered insurance coverage in some states.
Your purchase of GAP Advantage with PowerBuy is optional. Whether or not you purchase GAP Advantage with PowerBuy will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP Advantage with PowerBuy. You should carefully read the contract for a full explanation of the terms.

Emerald VISA
Emerald VISA cards give you the purchasing power you need when you need it. The credit union offers several great Emerald choices for you and your business. Our Emerald VISA cards offers members Choice Rewards, a program specially designed to reward members for their VISA usage.
Locations
Whatever your financial needs, day or night, you have access to your account information to help you meet your demanding lifestyle. From our branches, apps and call center we are here in Vermont and New Hampshire to serve you wherever you are.