Convenience Services

Autos Buy Choice

What is Autos Buy Choice?

Autos Buy Choice, Inc., is an easy way to buy a car. You pick the car you want, in the color you want, with the options and features you want. Then Autos Buy Choice searches their nationwide database of thousands of used cars, trucks, and SUVs to find you the perfect match at the perfect price. And when they find it, they will deliver it to your own driveway, saving you not only time and headaches, but thousands of dollars!

How do they save you money?

Simple. They do not have the overhead that dealerships do. They do not have commission paid salesmen. They have no sales managers and no general managers. They have no building to pay for and maintain, no utilities to pay. There are no surprise fees. The best part is that your credit union gives you the best rate possible. And the savings are passed on to you!

Shop with the confidence of pre-approval by applying for your vehicle loan today, or visit the Autos Buy Choice website to get started!

VISA Check Card

The Visa Check Card is a convenient card that looks like a credit card but acts like a check. Present this card to any merchant displaying the Visa logo, and your purchase amount will be deducted from your checking account. Using the Visa Check Card affords you the following benefits:

Saves time -- no check to write and no waiting for check approvals

Hassle-free -- no checkbook to carry

Allows for better tracking of spending

Reduces the worry of having to provide as much information as check-cashing requires

Increased security of funds -- no need to carry cash

One less card to carry - it doubles as your ATM card

Auto Mechanical Repair Coverage - Member's Choice Auto Care (MCAC)

As an additional service for our members, NCP offers Auto Mechanical Repair Coverage. Compare our Members Choice Auto Care (MCAC) Repair Coverage to dealer programs and you will see that you can save money and receive better coverage at the same time. Consider these points when comparing our coverage to a dealer's program:

MCAC offers 3plans - Are you comparing similar coverage?

• MCAC offers up to 4 deductible options (depending on the plan). Are you comparing the same deductible? Many times a dealer will present a $100 deductible but not tell you.

MCAC is add - on coverage versus in-service date coverage. Do you know the difference and how it affects when the coverage terminates?

• MCAC allows you to bring your vehicle to any licensed repair facility in the US and Canada (provided they warranty their work for at least 6 month/6,000). Does the dealer allow this flexibility or are you required to bring the vehicle back only to a Ford dealer (for example)?

You can rely on the credit union and CUNA Mutual if you have questions or concerns. Who can you go to with questions or concerns if you buy it through the dealer?

All extended warranties are not alike. Compare and save.

GAP Protection

You could lose more than your vehicle if it is stolen or involved in a major accident - you could lose your investment. Why? Because most insurance policies only cover the value of your vehicle - something that rapidly declines during the first few years of ownership - which means your loan or lease balance could be higher than the value of your vehicle. GAP covers the difference between your primary carrier's insurance settlement and the amount of your loan or lease - less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges.

GAP benefits may include the following for your protection:

• Protection for the term of your loan up to 84 months.
• Coverage for vehicles valued up to $100,000 at time of purchase.
• Payment of benefits up to $50,000.
• Coverage for auto insurance deductibles up to $1,000 if a gap exists.
• Benefits for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles.
  
  Please note: Coverage does vary by state.