Add protection to your loans with these loan services:


Debt Protection

Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Member Debt Protection can help relieve financial pressure in the event of death, disability and/or involuntary unemployment.

With Member Debt Protection, your loan balance will be canceled, or your monthly loan payments suspended without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected.


Member Debt Protection is available for closed-end consumer loans if the loan has a term of 120 months or less; open-end consumer credit plans and unsecured lines of credit; credit cards.


There are eligibility requirements, conditions, and exclusions that apply to this program. Please contact us for additional details about the Member Debt Protection program.

Definitions of Coverage

Death — Give your family time to get back on their feet financially.

Disability — Help avoid bills piling up as you try to regain your health and earning capacity. Use this benefit as a supplement to any disability coverage you may have at work (which usually only covers 60 percent of pay).

Involuntary Unemployment — Ensure that one of your major monthly expenses will be taken care of as you search for new employment.

No Obligation for 30 days

When you apply for Member Debt Protection, you have 30 days to review your plan. If you are not satisfied with the program, or if your situation changes, you can cancel it at any time. Any fees paid will be refunded if you cancel within the first 30 days.

A Benefit for You

We've designed our Member Debt Protection program to fit the times we live in today. More than ever, we all worry about things that might happen tomorrow. Member Debt Protection provides an important sense of financial security knowing your loan will not become a burden to you in times of hardship. Please consult with one of our representatives to discuss our Member Debt Protection program in more detail.

Download the Debt Protection Brochure.

GAP Protection

Protect Your Vehicle Investments, Not Just It's Value

The GAP Advantage is an optional benefit that gives you further peace of mind. If the vehicle you are now purchasing ever becomes "totaled," or is stolen and not recovered, GAP Advantage provides you with an additional $1,000 towards the purchase of a replacement vehicle if financed with BFCU. Not only will you receive the difference between the value of your vehicle and its unpaid loan balance. You also get a head start on financing or leasing a new or used replacement vehicle when you finance through Best Financial Credit Union.

GAP now also has an enhanced feature known as Auto Deductible Reimbursement. You can get reimbursed up to $500 if you have to pay your insurance deductible for an accident or total loss.

The GAP Advantage

The following is a typical example of how GAP Advantage comes through for you:

  • Original purchase price: $25,000
  • Loan balance after one year: $20,000
  • Insurance settlement covering vehicles current value: $16,000

Your lost investment without GAP:

  • Your remaining unpaid loan balance (the "gap"): $4,000 (Including your deductible, up to $1,000)
  • GAP waives the difference: $4,000
  • GAP Advantage provides you with the following toward a replacement vehicle: $1,000

Total GAP Advantage Benefit: $5,000

Download the GAP Protection Brochure.

DPW (Depreciation Protection Waiver)

DPW is an additional coverage that will help protect your equity position in your vehicle, whether it’s from a down payment, trade value, making accelerated loan payments or dealer rebates. It’s the peace of mind knowing in the event your vehicle is ever totaled or stolen and not recovered at any time over the life of the loan, it will waive some or all of your loan balance to help protect the money you invested. The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. (The benefit cannot exceed the DPW addendum limit or your outstanding loan balance)

In addition you will have Accidental Death protection, which would cancel up to $1,000 of your outstanding loan balance if you die from the accident, and ADR (Auto Deductible Reimbursement) - You can get reimbursed up to $500 if you have to pay your insurance deductible for an accident or total loss.

Download the DPW Brochure.

Route 66 Extended Warranty

Easy Street, Main Street and First Street warranties have complete lines of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem.

  • Would reduce/eliminate cost to members for vehicle repairs:
  • Allows for Emergency Roadside Service:
    • Towing
    • Flat tire assistance
    • Battery jump-start
    • Lock-out service
    • Safe and secure package
    • Minor adjustments
  • Can be used at any licensed garage (in state or out of state)
  • 3 different programs available based on year/mileage of vehicle:
    • Easy Street: factory warranty type, best coverage
    • Main Street: deluxe coverage
    • First Street: drive train plus
  • Has Total Loss Refund:
    • If your vehicle is totaled, get a premium refund
    • Warranty is transferable to a new owner for a $50 charge
    • Can be financed into the loan
  • The vehicle does not have to be financed with Best Financial Credit Union to purchase an extended warranty
  • Each vehicle is entered into the system with mileage to determine exact cost

Download the Route 66 Extended Warranty Brochure.

Vehicle Purchase Protection (VPP)

Coverage is designed to protect against unforeseen road hazards that your standard and extended warranty coverage doesn't. This no deductible, nationwide coverage includes emergency roadside service, key fob replacement, paintless dent repair, windshield repair and tire & wheel coverage.

Learn more about our VPP Protection.

Best Financial Insurance Agency

Best Financial Insurance Agency specializes in providing home and auto insurance in Muskegon, MI. The agency is proud to offer insurance for educators through the Meemic family. Meemic was founded by teachers and has been serving the educational community for over 60 years. Customer satisfaction is our priority. Contact us about coverage options for your specific needs and find out how much you can save.

Please visit Best Finaical Insurance Agency's website to learn more.


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