Excel FCU will never ask you for your online banking information, pin number(s), or password(s). Beware of fraudsters posing as Excel FCU via text, email or phone. Do not hesitate to call the credit union directly if you have questionable requests for information.
Our MoneyLine Phone Banking service will no longer be available after May 1st. Please contact us with any questions.

Guaranteed Asset Protection (GAP)

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VEHICLE LOAN PROTECTION FOR WHAT YOUR AUTO INSURANCE MAY NOT COVER.

That’s where Guaranteed Asset Protection (GAP) comes in. 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.

Fair market insurance value isn’t always fair. There may be a gap.

GAP with ADR

Additional protection at no additional cost.

Our Guaranteed Asset Protection (GAP) program includes complimentary Auto Deductible Reimbursement (ADR), which is designed to provide financial relief if your vehicle is deemed a total loss due to an accident or stolen.

ADR will reimburse you for the comprehensive or collision deductible incurred up to the policy maximum.

ADR covers vehicles registered in your name and insured under your individual primary auto insurance policy.

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Have a question or need assistance? Shoot us a text or give us a call!