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Loan Protection

TruStage Auto & Homeowners Insurance

You trust OE Federal to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Homeowners Insurance Program.

The TruStage Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members. 

The TruStage Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Guaranteed Auto Protection (GAP)

You've got the car, you've got the insurance; what more do you need? Well, you might need Guaranteed Auto Protection. GAP is unique. It covers the difference between what you owe on your vehicle and what insurance will cover in the unfortunate event your car is stolen or totaled.

GAP is the difference between the actual value of your car and the amount on your auto loan or lease at the time of a total loss.

Most people don't realize that insurance will only cover the estimated value of your vehicle, which is often LESS than what you still owe! Which means you could be stuck making loan payments on a car you can't drive anymore!

Example: You still owe $9,000 on a car you purchased last year; your insurance puts your car's value at $7,500. That means you're still on the hook for $1,500 of your car loan! GAP takes care of this problem, and for less than you think! Don't let an unfortunate accident or a theft leave you in debt without the car you need.

Best of all, OE Federal offers GAP to its members at one of lowest prices on the market. Contact any of our Member Service Representatives to add GAP to your auto loan today at 800.877.4444.

Debt Protection

OE Federal offers you peace of mind. Debt protection helps protect you if you suffer an unexpected loss of income. 

No one likes to talk about it, but we think it's too important to avoid. Right now, your loan payments don't seem like a problem, but what if you become disabled, unemployed, or even pass on? Those loan payments are left for your family to cover, and without your income, that could lead to a serious hardship. 

Debt Protection is a must-have for anyone with a loan. OE Federal offers a variety of options depending on your needs. You can choose single coverage for the Primary Borrower or joint coverage for both Primary and Co-Borrowers. 

Coverage Options

  • Life Protection
  • Disability Protection
  • Involuntary Unemployment Protection


  • Helps reduce financial risk
  • Protection is activated even when other insurance is in force
  • Helps protect credit standing
  • Provides security and peace of mind

These options are very affordable, and are easy to apply for. Just talk to our very friendly Member Service Representatives at 800.877.4444. 


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