Life isn’t always predictable, which is why we offer LoanSHIELD.  Designed to shield you from the unexpected preventing financial hardships and unnecessary stress, these products ensure you and your vehicle are protected.
Loan Shield


Guaranteed Asset Protection with Auto Advantage

Should your vehicle be claimed as a total loss, or is stolen, Guaranteed Asset Protection (aka GAP) covers the “gap”, or the difference between what your vehicle is worth and what is still owed on the loan. Our GAP coverage also includes $1,000 towards a replacement vehicle when you finance your next car through us. Another added benefit included with GAP is Auto Deductible Reimbursement (ADR). This pays up to $500 per loss when a claim is filed and paid by your primary insurance company.

*ADR is not available, but all of the other GAP features apply.

Credit, Life and Disability Coverage

Credit Life insurance will pay off the loan if the borrower should pass away. Disability insurance will cover the loan payment should the borrower become disabled on, or off the job.

Involuntary Unemployment Insurance

Pays a benefit for a specified period in the event that the borrower becomes involuntarily unemployed (i.e. layoff, termination by the employer).

Mechanical Breakdown Insurance (MBI)

Did you know that 80% of people aren’t budgeting for car repairs? If your vehicle experiences a sudden breakdown, you’ll be wishing you had saved up some money, especially if your car is out of warranty. Don’t wish, make a plan and opt for MBI through Route 66.
This extended warranty offers repairs and service coverage that is comparable, if not better, than the original car warranty. It can be added to your loan payment or purchased separately.

Affordable coverage with inclusive benefits:

  • $0 deductible on all plans
  • 30-day money-back guarantee
  • Transferable
  • Total loss refund
  • 24/7 roadside assistance: Towing, Lock-out service, Jump-starting service, Fuel delivery
  • Rental Car Allowance 
  • Battery coverage (up to $65)
  • The warranty follows the car: whether you lend your car or sell it, the warranty is in their hands

We strongly encourage our members to take advantage of this service that provides peace of mind and safe travels.

To add any of our LoanShield products, talk with a teammate when you open your loan!

Not a Member? No Problem.

Remember, we’re not just for Firefighters! Joining FFCCU is easy and offers you all kinds of perks including the opportunity to earn interest on a checking account! We also offer online banking and have our own mobile app!

*Qualifications may vary. Please contact FFCCU for details. These protections are not available on Mortgages. Our Home Equity Line of Credit and Home Equity Loans have their own Loan Protection plan, called HE Debt Protect.