Insurance Products We want you to have the best protection and peace of mind. That's why we have made it possible to purchase the following types of insurance! If you are interested in any insurance coverage please contact us. Excess Share Insurance Your credit union now provides you with peace of mind that no bank in the area can match. We now insure your accounts through a combination of federal and private insurance up to $350,000, and an additional $350,000 in coverage for Individual Retirement Accounts. This exceptional level of protection is made possible through our affiliation with the Excess Share Insurance Corporation (ESI), a subsidiary of American Share Insurance. ESI provides members up to $250,000 in coverage, in addition to the standard $100,000 of share deposit insurance protection from the National Credit Union Administration (NCUA). For more information on ESI please click here. Guaranteed Auto Protection (GAP) - Guaranteed Auto Protection will protect you from serious financial loss in case your vehicle is totaled or stolen. GAP will pay the difference between the actual cash value of the vehicle and the outstanding loan or lease at the time of the loss, less certain deductions. GAP Plus Insurance - GAP Plus is an additional benefit that gives you further financial relief. Not only will you receive the difference between the value of your vehicle and its unpaid loan or lease balance, you also get a head start on financing a replacement vehicle. The GAP Plus benefit of $1,000 will be paid toward the financing of a replacement vehicle when you finance or lease through the same financial institution. Mechanical Breakdown Coverage (MBI) - Mechanical Breakdown Coverage is a true insurance product that creates a direct relationship between the vehicle owner and the insurance company. It will protect you against any defects in workmanship and material. Eliminate the middleman and avoid the increasing costs of parts and labor costs with MBI. Payment Protection Credit Insurance (Credit Life and Disability Insurance) - Sometimes an unforeseen accident or illness can occur and cause great financial strain. But you can be prepared. With Payment Protection Credit Insurance, if you are under the doctors' care and off work for more than 14 days, your loan payment will be paid in full up to $600 per month. Or in the unfortunate instance of death, you can rest in peace knowing your family members will not have to worry about the outstanding loan payments building up. The balance of your covered loans will be paid in full. Accidental Death and Dismemberment Insurance (AD&D) - As a valued member of the credit union, you are entitled to receive $2,000 of accidental death and dismemberment coverage. Simply by asking for it! Click here to request your free coverage today! MEMBERS Auto & Homeowners Insurance As a St. Louis Postal Credit Union member, you now have access to special discounts on customized protection plans with MEMBERS Auto and Homeowners Insurance. You'll also enjoy 24-7 claims service, guaranteed rates for 12 months, and convenient payment options. *Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. 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. The insurance offered is not a deposit and is not insured by the NCUSIF or guaranteed by your credit union.