Protection Services

Protection Services

Life takes unexpected turns. When it happens to you or someone you love, the impact can be overwhelming, both financially and emotionally. At Community West Credit Union, we offer a range of protection services to help minimize the impact of life’s unexpected turns. Discover how we help our members stay prepared and protected, no matter what life throws at them. 

Mechanical Repair Coverage (MRC)₂

Do you have an extra $1,000 laying around for a car repair? When you don’t, Mechanical Repair Coverage (MRC) is the solution. MRC helps drivers mitigate costly auto repairs, so they can keep moving forward.


  • Good at any authorized repair facility
  • No out-of-pocket expense (except for any deductible)
  • Rental reimbursement
  • 24-hour emergency roadside assistance
  • Travel expense reimbursement
  • Transferable and Cancelable₂

Guaranteed Asset Protection (GAP)₃

Newly purchased vehicles depreciate in value as soon as they’re driven off the dealer’s lot. When a vehicle is totaled in an accident or stolen and not recovered, you could owe more than the vehicle is worth. GAP insurance is designed to reduce or eliminate the difference between the insurance settlement and the loan balance. 

Ask about how you can add GAP to your auto loan. If you have an existing GAP policy with Community West, contact us to file a claim. If you purchased GAP directly at your auto dealership, contact your dealer to file a claim.

Debt Protection₄

Your family means everything to you, and if the unexpected happens, you don’t want to add financial stress on top of an emotional situation. That’s why Community West offers Debt Protection which may cancel your loan balance, up to the contract maximums, in case of involuntary unemployment, disability and death. It’s just one more way you can look out for the people you love. 


  • It’s easy and simple to apply
  • Takes effect immediately
  • Comfortably fits into your monthly payment

IDProtect® offers peace of mind to Community West members for a small fee of $3.00 per month.

Help better protect yourself, your family, and your joint account owners with our identity theft monitoring and resolution service₅ that includes credit file monitoring₆, 3-in-1 credit report, monitoring of over 1,000 public databases, identity theft expense reimbursement₇, fully managed resolution services, and more.


  • Comprehensive Identity Theft Resolution Services
  • Debit and Credit Card Registration
  • 3-in-1 Credit File Monitoring₆
  • 3-in-1 Credit Report
  • Total Identity Monitoring
  • Online Identity Theft News Center and Valuable Phone and Web Resources
  • Identity Theft Expense Reimbursement Coverage₇

Credit Union Benefits for Valued Members

As a member-owned, not-for-profit credit union, Community West Credit Union serves more than 26,000 members with checking and savings accounts, loans, and other financial services with six locations in Comstock Park, Grandville, Hudsonville, Kentwood, Middleville, and Rockford. Contact us today for more information about credit union benefits, or learn more about membership requirements to join.

*Products above do not replace traditional auto insurance required on all auto loans. For additional details, please consult a Community West Credit Union lending officer. 

2 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. View the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varied by state. Replacement parts may be new, used, non-OEM or remanufactured.

3 Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days, you will receive a full refund of any fee paid.

4 Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for full terms. You may cancel the protection at any time. If you cancel within 30 days, you will receive a full refund of any fee paid.

5 IDProtect® service is a personal identity theft protection service available to CWCU account owners(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Registration/activation required.

6 Credit file monitoring from Equifax and TransUnion will take several days to begin following activation.

7 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

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