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By clicking Continue you will be redirected from PCM Credit Union’s website to an externally-hosted website that is not controlled or affiliated with the credit union. PCM Credit Union is not responsible for the content or availability of linked third-party websites. Please be aware that the internal privacy and/or security controls of linked third-party websites may differ from those practiced by PCM Credit Union. Please be further advised that in the event a transaction takes place between you and the third-party host of the linked website, that PCM Credit Union does not represent the interests of either party in any such transaction.

Loan Options

Payment Protection Plan

Protect yourself and your family when you borrow. There are two types of credit insurance available to you when you take out a loan at PCMCU. Please contact us for details, as some restrictions apply.

Credit Life Insurance

  • Protects your family and estate by paying your loan balance if you or a co-borrower dies. 
  • Premium amount based on loan size and term.
  • Insurance amount based on outstanding loan balance.

Credit Disability Insurance

  • Makes your loan payments if you are unable to earn a regular wage because of an accident or illness.
  • Protects your credit rating.
  • Protects you against repossession.


Optional Coverages for Vehicle Loans

Extended Warranty

Extends vehicle warranty coverage to protect you from unexpected vehicle repairs. There are three protection plans available, with each containing nationwide protection. Protection is available on both new and pre-owned vehicles. Coverage is transferable if you sell the vehicle before the agreement expires.

Guaranteed Asset Protection (GAP)

A non-insurance product that covers the “gap” between the vehicle’s value and the amount you still owe, in an event your vehicle is involved in a major accident or is stolen. This could essentially help pay off most or all of your loan balance if your insurance company doesn’t pay the full claim. It will also pay up to $500 toward your deductible in the event of a claim on your auto insurance. It will cover any auto titled in your name. It will cover unlimited claims per year. Certain restrictions may apply.

Contact PCMCU for more information.

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