You never know when unforeseen events (loss of income, changes in the economy, a car accident, etc.) might derail your budget.
GAP Advantage™
According to CARFAX, new vehicles lose about 45% of their value within three years, and about 60% of their total value within five due to depreciation. In the event your vehicle is declared a total loss after an accident or theft, it’s likely the standard insurance policy will fall short in covering your entire loan balance. In fact, if the average new car owner has their vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after their insurance settlement.
To protect yourself from a financial loss, move beyond the industry standard with coverage that’ll benefit you through your entire loan term. GAP Advantage™ can pay up to the remaining balance of your auto loan after an insurance payout and give you additional funds to finance your next vehicle with us.
In most cases, GAP Advantage will make up the difference between what your insurance policy covers and the amount you still owe. So, instead of paying off a substantial loan balance for a vehicle you can no longer drive, you could be relieved from your remaining loan balance and have funds to put toward a down payment on a new car.
Give yourself peace of mind knowing your auto loan won’t be a be a burden if an unexpected accident or theft occurs.
To learn more, call your loan officer or service representative today!
Your purchase of GAP Advantage is optional. Whether or not you purchase GAP Advantage with PowerBuy will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP Advantage with PowerBuy. You should carefully read the contract for a full explanation of the terms.
Major Mechanical Protection (MMP)
Whether you plan on selling your vehicle after a few years or plan on driving it for many years to come, you may find yourself eventually dealing with a repair or breakdown. And with the rising cost of labor and parts, you could find yourself dealing with high out-of-pocket expenses.
With Major Mechanical Protection (MMP), you can protect yourself from costly repairs and enjoy your vehicle longer. The total cost of MMP is often far less than the cost of a single repair! Pay for this protection once, and in most cases you will not have to pay anything more than a small deductible should a breakdown occur.
Your coverage may include all or some of the following benefits*:
- Comprehensive repair coverage
- 24-hour roadside assistance
- Lost key and lockout assistance
- Emergency tire repair
- Rental car reimbursement
- Trip interruption expense reimbursement
- Flexibility when getting repairs done — can be used at most licensed repair facilities
- MMP transfers to a new owner, which adds to the resale value of your vehicle
*coverages vary
Protect yourself for the road ahead. To learn more about MMP, call your loan officer or service representative today!
Payment Protection
As a result of unexpected illness, injury, or death eliminating their ability to earn a paycheck, even the most responsible person can be hit with bills they can’t pay, damage to their credit score, and even repossessions.
When you add Payment Protection to your loan1, you minimize the impact of the unexpected. In most cases, Payment Protection can:
- Eliminate all or part of your remaining loan balance
- Protect your credit rating as loan payment obligations are made on your behalf
- Prevent late fees
- Create financial security for your family
- Free-up extra cash when it’s needed most
Payment Protection is affordable, it may cover both you and your co-borrower, and it is a part of your regular payment—giving you one less thing to worry about.
To learn more about Payment Protection, contact your loan officer or service representative today!
1Payment Protection may be available for personal credit cards, auto loans, personal consumer loans, and home equity loans.
Your purchase of Payment Protection is optional. Whether or not you purchase Payment Protection will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Payment Protection. You should carefully read the contract for a full explanation of the terms.
TruStage Auto Insurance
Credit union members may qualify for special discounts on car insurance. Find out how much you could save if you switch. Combine your coverage with another car or home policy, and you could save even more.
Any amount of coverage can help protect your family. Life insurance could help give you peace of mind today and provide income-tax free money for your family if you die. It could ease the burden of expenses you might leave behind like funeral costs, mortgage payments or unpaid debts.
It’s easy to switch and save. If you haven’t gotten a home insurance quote lately, your credit union membership could result in some nice savings.
Accidental Death & Dismemberment Insurance
$2,000 insurance coverage paid for you by KALSEE!
As a Kalsee Credit Union member age 18 or older you can help protect your family’s financial future with Accidental Death and Dismemberment (AD&D) Insurance underwritten by Minnesota Life Insurance Company. In addition to the $2,000.00 credit union paid coverage, you can purchase additional coverage at group rates.
- You are pre-authorized for additional coverage up to $300,000
- Your acceptance is guaranteed – no medical exams or health questions
- Benefits are paid to your beneficiary if you die from a covered accident
You cannot be turned down for the credit union paid coverage — or any additional coverage you may select. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.
Remember, the $2,000.00 coverage is at no cost to you. It’s paid by Kalsee Credit Union.
Robert Dudacek, Licensed Insurance Agent #972576-TN
Learn more about AD&D insurance
0620 503692
Protect Your Vehicle from Costly Repairs with HealthCAR
We know many of our members are holding onto their vehicles for longer periods of time before replacing them. Often, if you didn’t purchase a vehicle protection plan when you purchased your vehicle from the dealership, you missed out on an opportunity to protect your vehicle with a major mechanical policy. The more miles you put on your vehicle, the more likely you will eventually have costly repairs. Now, you can protect your vehicle and your pocketbook with vehicle protection from HealthCAR, a great solution if you're existing warranty is about to or has expired.
HealthCAR offers simplified pricing that's up to 70% less compared to warranties offered at the dealership, covering vehicles up to 20 years old with no expiration as long as premiums are paid. HealthCAR is especially useful for college dependents driving older vehicles far from home. One of the many benefits include roadside assistance that extend to your dependents. What if you experience a vehicle breakdown? Don't worry, you only pay a $100 deductible, and your coverage level is based on the mileage of your vehicle at the time of the breakdown.
What are some perks?
- No auto loan required
- Short 30-day, 1,000 mile validation period
- Affordable monthly payments
- Unlimited mileage protection
Simple Claims Process
If your vehicle experiences a breakdown, the claims process is as easy as a click of a button. With the healthCAR app, you can begin the claim process to have your vehicle towed to a repair facility of your choice. You can use any licensed repair facility in the U.S. (approximately 91,000). healthCAR pays the repair shop directly for covered repairs and the program owner is only responsible for a $100 deductible.
More to Explore

How Do I...
Find a Branch and ATM?
Click to locate a fee-free ATM near you. Did you know you can use credit union CO-OP network ATMs and fee free?