“Hope for the best. Prepare for the worst.” While this adage may not have originated in the credit union movement, it has clear applications for sound financial planning. When it comes to your money, investing for the future involves protecting in the present.

Hidden River Credit Union offers multiple insurance options to protect you and your investments against unexpected events.

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Mechanical Repair Coverage (MRC)

With MRC you can enjoy many valuable benefits among which are:

  • Rental reimbursement: up to $35 per day (5-day maximum, 10-day maximum for parts delay); available on the first day of a covered repair
  • 24-hour emergency roadside assistance: up to $100 per occurrence; includes towing, battery jumpstart, fluid delivery, flat tire assistance and lock-out service
  • No out of pocket expense (except for any deductible): the administrator pays the repair facility directly for the
    covered repair

Protect yourself from unexpected costly repairs when getting your auto loan – Talk to Hidden River Credit Union to find out what MRC plan is right for you.

Already have a loan or car you want to protect? To research, compare, and buy MRC for a vehicle you already have, click here or call 866.779.5539.

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Smart Choice Loan Protection

It may be difficult to prepare for unforeseen events like job loss, injury, illness, disability, or death. But you can certainly take steps to safeguard your family and your finances if anything unfortunate happens.

HRCU’s Smart Choice Loan Protection is an optional loan feature that helps pay your loan when you and your family need it most. The affordable premium is conveniently included in your monthly loan payment, so you don’t have to worry about keeping track of an additional payment.

Contact your loan officer today to get additional coverage details and to apply.

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Guaranteed Asset Protection (GAP)

When it comes to owning a vehicle, few things can be more frustrating—and expensive—than dealing with the aftermath of an auto accident. This is especially true when primary auto insurance settlements don’t pay off your entire loan balance in the event your vehicle has been stolen or totaled in an accident. Due to the rapid depreciation of new cars, this scenario is more common than you might think.

If there’s a difference between your remaining loan balance and the value of your vehicle, MEMBER’S CHOICE Guaranteed Asset Protection (GAP) insurance will help you pay the difference based on the terms of your member agreement. By taking a few simple steps while signing your loan paperwork, you can guard your finances both now and in the future.

Ask your loan officer for GAP details during the financing application process.

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TruStage Insurance

When it comes to home, auto, property, and life insurance, you want to find the best deal possible. You also want to make sure you’re getting the best coverage for your money. Thanks to an exclusive agreement with TruStage Insurance Agency, HRCU members can qualify for deep discounts and substantial savings on personal insurance policies.

Click here to see how much you can save by switching to TruStage.