MEMBERS® Auto and Homeowners

You trust LUSO Federal Credit Union 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 MEMBERS Auto and Homeowners Insurance Program.

• MEMBERS® Auto and Homeowners is the property and casualty coverage solution preferred by most credit unions and their members.
• Convenient e-service, pay your bill or make changes to your policy, even report a claim.
• Receive fast, easy access to claims service 24-hours a day.
• Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

CLICK HERE to get a FREE online quote from the MEMBERS Auto and Homeowners Insurance Program, underwritten by Liberty Mutual Insurance Company, to see how much you could save on your auto insurance.

MEMBER'S CHOICE ™ Guaranteed Asset Protection (GAP)

Fill in the GAP on your next vehicle loan!
There could be a big difference between what your insurance will pay and what you owe on your loan. Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference or the "gap", between your insurer's settlement and your loan balance. That gap will come out of your pocket for a vehicle that, for all practical purposes, no longer exists.

Member's Choice™ Guaranteed Asset Protection (GAP) could save you thousands of dollars.
GAP is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

GAP - low-cost protection for high cost losses.
For just a few dollars a month, GAP can save you from making loan payments on a car, truck, or other vehicle that's beyond repair, or stolen and not recovered. GAP Plus coverage also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by our credit union).

It's easy to be covered.
You can sign up for GAP when you apply for your vehicle loan. There's no underwriting, no red tape, no hassles. And for your convenience, the amount can be rolled into your monthly loan payment.

Refundable feature.
GAP is fully refundable if you cancel the coverage within the first 90 days.

Make sure you fill in the GAP!
Protect your family, your car and your credit rating with MEMBER'S CHOICE protection solutions. Contact your loan officer at 413-589-9966 for more information about the benefits of GAP!

MEMBER'S CHOICE® Mechanical Repair Coverage

Expect the Unexpected You can't choose when your vehicle breaks down, but you can choose to lessen your financial burden and inconvenience when it does. MEMBER'S CHOICE® Mechanical Repair Coverage pays for covered repairs (cost of parts and labor) on your vehicle when unexpected breakdowns occur.

It's Your Choice
You know how long you want to keep your car, how many miles you plan to drive it, plus your other driving habits. It only makes sense that you choose the mechanical plan and terms of protection that are right for you without having to revert to "mile zero" or the "in-service" date on your vehicle. In addition, you may purchase your coverage at any time as long as your vehicle is 10 years old or newer with 100,000 miles or less. Once you select your plan, you're immediately covered.

Experience MEMBER'S CHOICE® Mechanical Repair Coverage for 30 Days*
Immediately upon enrollment into your plan-of-choice, your vehicle is covered if an unexpected breakdown occurs. During the first 30 days, if you wish to cancel your Mechanical Repair Coverage, you may. If you choose to continue MEMBER'S CHOICE ® Mechanical Repair Coverage, there is no need to contact us. Your coverage will simply continue with no interruptions.

We encourage you to maintain this valuable coverage, but if you choose to discontinue within 30 days of your enrollment, there is no cancellation fee.

*Some states allow more than 30 days to experience the product, however, cancellation fees may apply. Check with your financial institution.