Buying a car is exciting—but it can also come with a barrage of add-on offers. From “extended warranties” to “gap protection,” dealerships often push optional auto protection that sounds like a good idea but comes with a hefty price tag.

At Members Trust Federal Credit Union, we offer the same types of protection—Guaranteed Auto Protection (GAP) and Mechanical Breakdown Protection (MBP). Still, with lower costs, stronger coverage, and service you can count on. Here’s why choosing Members Trust for your auto protection makes sense.

1. Save More with Transparent Auto Protection Pricing 

Dealership add-ons are a major profit center, and it’s not unusual for them to markup protection plans by hundreds of dollars. When you choose Members Trust, you’re getting credit union pricing with no hidden markups, just fair, member-friendly rates.

For example, our GAP protection is a one-time premium of just $500—far less than most dealerships charge. And because we’re member-owned, there are no sales commissions or pressure tactics. You can review your options at your own pace and feel confident that you’re getting real value, not a sales pitch.

You can even roll the cost into your auto loan, keeping your budget manageable while protecting your investment.

2. Get More Robust Coverage

Price matters—but coverage matters even more. Members Trust’s optional protection plans offer benefits that often go beyond what you’ll find at the dealership.

Mechanical Breakdown Protection covers costly repairs due to mechanical or electrical failures after your factory warranty expires. Plus, you’ll enjoy extras like:

• 24/7 Roadside Assistance for towing, lockouts, flat tires, and fuel delivery
• Rental Vehicle Coverage during covered repairs
• Trip Interruption reimbursement if you break down far from home
• Tire Road Hazard protection for unexpected road damage

Plus, a warranty from Members Trust can be purchased at any time – rolled you’re your loan or added later – it’s completely up to you.

Dealership plans can vary widely—and may exclude some of these perks or charge extra for them. With Members Trust, these benefits are built in to help you stay protected wherever the road takes you.

3. Freedom to Choose Where You Get Repairs

Some dealer-issued warranties require you to bring your vehicle back to their service center, even if it’s not convenient. Members Trust’s protection plans are flexible, allowing you to choose from a wide network of licensed repair facilities.

That means if your car breaks down while you’re out of town, you can get it fixed quickly—without worrying about being tied to one dealership’s shop.

4. Member-Focused Service and Support

When you purchase protection through Members Trust, you’re backed by a team that’s committed to your best interests, not a commission. We’re here to help you understand your coverage, handle claims smoothly, and make sure you get the support you need when it matters most.

Because we’re a credit union, not a car dealership, our goal is to protect your financial well-being—not upsell products. That difference shows in every interaction.

5. Easier to Transfer or Cancel

Life changes—and your coverage should be able to keep up. Many Members Trust protection plans can be transferred to a new owner if you sell your vehicle, which can even increase resale value. If you pay off or trade in your vehicle early, you can often cancel your coverage for a prorated refund.

Dealership contracts, by contrast, can be restrictive, harder to cancel, and may come with extra fees.

6. Compare and See the Difference

Feature	Members Trust FCU	Dealership
Upfront pricing	Transparent, no markup	Often inflated or bundled
Coverage	Includes roadside, tire, and trip benefits	May charge extra
Flexibility	Choose your repair shop	Must return to dealer
Support	Member-focused, no commissions	Sales-driven
Cost	One-time affordable premium	Typically higher markup

Protect Your Ride—and Your Wallet

Before you sign on the dotted line at the dealership, compare their add-on prices and coverage to what Members Trust offers. You’ll find that our protection plans provide better coverage at a lower cost—without the pressure.

Learn more about Members Trust Auto Protection options here, or visit with a loan officer to add protection to your current or future auto loan.

Drive with confidence—because Members Trust has your back, mile after mile.