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Loan Products



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down payment + closing cost assistance

Freddic Mac BorrowSmartSM

You may be eligible to receive up to $2,500 in assistance
to purchase a new home. With the Freddie Mac
BorrowSmartSM program, we’ll help you with funding to
pay your down payment or closings costs!

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Debt Protection with life plus1

Your safeguard against the unexpected.

Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Loss of life
  • Illness
  • Hospitalization


*Members received $349,192.22 in benefit compensation last year.
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Guaranteed Asset Protection (GAP)2

For what your auto insurance may not cover for a wrecked vehicle.

If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. Benefits include:

  • $1,000 towards your insurance deductible. (For those unexpected fender-benders)
  • $2,500 down payment towards replacement vehicle5. (If car is totaled)
  • Reduction or even elimination of the amount you owe on your loan that insurance does not cover. 


*Members received $85,314.30 in benefit compensation last year.














1. Your purchase of Debt Protection with Life Plus 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 with Life Plus. 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.
2. Your purchase of MEMBERS CHOICETM 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.