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Member Discounts

Credit Life and Credit Disability Insurance

Once approved for that vehicle you’ve been dreaming about and you select Credit Life and/or Credit Disability we’ll give you a .25% discount and we’ll extend your loan term for 6 months, to help with an affordable loan payment and help protect you and your family from life's unexpected events.

What is Credit Life and Credit Disability insurance coverage? This valuable coverage offers you extra financial security, added peace of mind, and protects you and your family when you need it most. 

Credit Life Insurance is a voluntary payment protection product available to eligible borrowers at an affordable rate. This insurance pays off or reduces the loan balance in the event of an insured borrower’s terminal illness, accidental dismemberment, or death. Please refer to One Source FCU Lending staff for complete plan coverage, exclusions and limitations. 

Credit Disability Insurance is a voluntary payment protection product available to eligible borrowers at an affordable rate. This insurance helps make your monthly loan payments if the insured borrower is totally disabled for longer than the waiting period. Please refer to One Source FCU Lending staff for complete plan coverage, exclusions and limitations.

GAP/VSA

GAP pays the difference between the outstanding scheduled principal balance and the vehicle's actual cash value, determined by your primary auto insurance carrier, on your auto loan or lease in the event of total loss or theft. GAP covers up to $1,000 of the borrower's deductible if there is a "GAP" after the primary insurance settlement is paid. 

Additionally, we will also offer more protection for life’s unexpected turns with another .25% discount when you select both VSA and GAP and we’ll add an additional 6 months to your loan term, again helping you, our member with not only an even more affordable loan payment but protecting your vehicle from unexpected and costly repairs.   

Vehicle Service Agreement:

  • Up to 50% less than dealer warranties
  • 24/7 Emergency Roadside Assistance
  • Rental Car, Towing & Trip Interruption
  • Increased Vehicle Resale Value
  • Nationwide Protection
  • 60 Day Free Look 

IWS

Checking Account Discounts

Did you know that as a One Source member who already has either our GOLD or SILVER checking account, you are rewarded with specific discounts when it comes to financing an auto loan with us?

  • Gold Checking account: you are automatically given .15% off your approved rate
  • Silver Checking account: you are automatically given .10% off your approved rate

Don’t have an Silver or Gold Checking account with us yet? You can click here to apply for one.

(certain restrictions apply. See credit union for details)