With our credit insurance products, Mutual Savings Credit Union can help you take the steps to make sure that expensive vehicle repairs don’t sidetrack your budget. Products are also available to make sure your loan payments continue to be made in the event of an accident or death that would normally interrupt your loan payments. MSCU offers a variety of options that can be added to your loan.

Credit Life

Credit Life gives added assurance that family members will not be burdened with the balance of your loan after a borrower’s death. Credit Life payments only add a small fraction to your loan payment.

Credit Disability

If an injury or disability causes you to be unable to work, Credit Disability maintains your loan payments. Credit Disability can keep your MSCU loan payments current even if you can’t work.


Guaranteed Asset Protection, or GAP, insurance helps cover the remaining balance of your auto loan in the event that your vehicle is damaged beyond repair before the final loan payment is made. If your auto insurance check does not help cover the full amount owed on the auto loan after the accident, GAP insurance will cover the remaining amount.


Repairs to vehicles can be costly. Mechanical Repair Coverage, or MRC, helps borrowers afford preapproved repairs on vehicles financed by MSCU. If you drive a luxury vehicle but can’t afford luxury repairs, MRC is the option for you.

You can contact a Mutual Savings representative to add any of these products to select MSCU loans.

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