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Our story began over 90 years ago at Fox Tech High School, where ten teachers signed a charter to form San Antonio Teachers Credit Union.
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Guaranteed Asset Protection (GAP) protects you against financial loss in the event your vehicle is damaged beyond repair (totaled) or stolen and never recovered.
Since a vehicle's value declines as a result of depreciation, the loan balance can be higher than its Actual Cash Value (ACV). Without GAP coverage, you would be responsible for paying the difference between the insurance settlement and the outstanding loan balance. With the purchase of GAP, the deficiency balance may be waived.
Private passenger autos, vans and light trucks (one ton load capacity and under) that are not used for commercial use.
Guaranteed Asset Protection is not NCUA insured.
GAP covers the difference between the net payoff of the Lease/Loan contract and the ACV of the vehicle as determined by the primary insurance company. Auto deductible protects you on accidents not resulting in a total loss. Here is an example:
You are NOT out of pocket thousands of dollars | |
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Loan Amount: | $24,000 |
Term: | 72 months |
Date of Loss: | 36 months |
Loan/Lease Payoff: | $12,000 |
Insurance Settlement¹: | $8,500 |
GAP (Guaranteed Asset Protection) | ($3,500) |
Insurance Deductible | ($500) |
Payment to Lender | $4,000 |
Out-of-pocket Expense with GAP coverage | $0.00 |
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
Choose one of the following:
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
Choose one of the following:
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
Choose one of the following:
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
Choose one of the following:
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
Choose one of the following:
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
Choose one of the following:
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
Choose one of the following:
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