Insurance Services

Protect yourself

Financial security for the unexpected

GAP Advantage

Most cars depreciate by thousands of dollars as soon as they are purchased. And if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference, the “gap” between your insurer’s settlement and your loan balance.

GAP Advantage waives the difference between your primary insurance carrier’s settlement and the payoff of your loan, less delinquent payments, late charges, and refundable service warranty contracts and other insurance related charges.

Learn more and see if this coverage is right for you.

Mechanical Breakdown Protection

Mechanical Breakdown Protection (MBP) helps pay for covered repairs on your car when that unexpected breakdown occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total hundreds or even thousands of dollars.

Get information on available coverage and a quote.

Depreciation Protection Waiver

Insurance companies won’t give back the money you put down on your vehicle if you were to get into an accident and total your vehicle. Depreciation Protection Waiver may be the solution to recoup a portion of the money that you have invested in your vehicle. It provides a benefit in the event of a total loss that equals the difference between the value of the vehicle at the time of coverage enrollment and the loan balance at the time of the total loss.

Learn more and see if this coverage is right for you.

Accidental Death and Dismemberment (AD&D) Insurance


As a Trailhead Credit Union member age 18 or older you can help protect your family’s financial future with Accidental Death and Dismemberment (AD&D) Insurance underwritten by Minnesota Life Insurance Company. In addition to the $2,000.00 Credit Union Paid coverage, you can purchase Additional Coverage at group rates.

  • You are pre-authorized for additional coverage up to $300,000
  • Your acceptance is guaranteed – no medical exams or health questions
  • Benefits are paid to your beneficiary if you die from a covered accident

You cannot be turned down for the Credit Union Paid Coverage —or any additional coverage you may select. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.

Robert Dudacek, Licensed Insurance Agent #972576-TN0620503692

Learn More and Enroll