Refinance your auto loan from another lender & start saving.

June 2023 QuickNote

Mortgage Loans

Loan Application

Certificate Rates

Auto Rates

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*Federally insured by the NCUA. Equal housing opportunity. The $100 cash offer is only valid on new qualifying loans. $5,000 minimum loan amount. $100 early payoff penalty fee for the first six months.

Extended Warranty

A vehicle is a huge investment. With all the computer and electronic parts in today’s vehicles, one mechanical repair can often end up costing several thousands of dollars. In order to keep you on the road, we have partnered with Route 66 to offer an extended warranty that comes loaded with benefits that you don’t usually get with a warranty from a dealership. Route 66 warranties are often cheaper than dealership offerings, and there is no deductible.

Plus, you can choose any certified mechanic you’d like and aren’t forced to take your car to the dealership. Also, the warranty is transferable, which makes your car worth more money at resale."

Extended Warranty

Credit Life Insurance

Credit Life Insurance is available for all QOCU loans to help protect your home and family if you can’t be there for them. If you pass away during the period of a loan, Credit Life Insurance will pay off or reduce your remaining loan balance.

Credit Disability Insurance

Credit Disability Insurance is available for any QOCU loan to reimburse you for your loan payments in the event you become disabled or go off work for medical reasons per doctors' orders for at least 14 consecutive days.

Loan Insurance

Vehicle Protection Plan

Quaker Oats Credit Union offers a Vehicle Protection Plan (VPP) with 6 essential coverages on any vehicle:

Key/Remote Replacement
Tire & Wheel Road Hazard Protection
Cosmetic Wheel Repair
Paintless Dent Repair
Windshield Repair
24-Hour Emergency Roadside Assistance

Please contact the credit union to get a FREE quote. An auto loan with QOCU is not required to purchase VPP.

Free Quote

Gap Protection

Cars are depreciating faster than people are paying off loans. This means that in the event you are in an accident and your vehicle is totaled you may owe more on your vehicle than the insurance is willing to give you to pay off the loan.

GAP insurance can help protect you in the event that your vehicle is lost, stolen, or totaled. For a one-time cost of only $495, you will be covered for the difference in the market value of your vehicle and what the insurance will give you in the event of a loss.

With the GAP advantage, you automatically get $1,000 to use on the purchase of your next vehicle as long as you finance with Quaker Oats Credit Union within 90 days.

GAP

Auto Advantage Deductible Reimbursement Insurance

We're proud to offer our members Auto Deductible Reimbursement Insurance that will help cover out-of-pocket expenses, such as your insurance deductible when you have an accident or mishap with your vehicle.

Pays up to $500 per loss when a claim is filed and paid with the primary insurance carrier.
Loss means an event for which the auto insurance company has approved & paid a claim which exceeds the Covered Auto Deductible for a collision or comprehensive claim.
Coverage is effective upon the date of enrollment and will continue for three years.

Not only does this insurance cover deductibles for the vehicle you have a loan on but it will also reimburse you for insurance deductibles that you have to pay on all other vehicles, as long as those vehicles are titled and insured in the same person’s name that is listed on the GAP policy.

Loan Insurance

Storm Damage Reminder

If a vehicle used as collateral sustains storm damage and an insurance check is issued to cover the damages, we must have proof of repair from a certified body shop before we can endorse the check. Without proof of repair, these funds would be applied to the loan balance.

Questions

Student Loans

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

Loans for college students.
A loan option for parents and family members who wish to borrow on behalf of a college student.
Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Student Loans

Member Appreciation

Please join us for POP-IN Member Appreciation events on:

Friday, June 30th, from 2 pm – 4 pm
Friday, July 28th, from 2 pm – 4 pm
Friday, August 25th, from 2 pm – 4 pm

Sarah Buehler and Gabe Rohwedder of Securian will serve treats and answer your financial questions. We look forward to seeing you!

New Fee Schedule

We do our best not to charge fees. However, when fees are necessary, we try to keep them as low as possible. Please click the following link to review our new fee schedule that will take effect on June 1, 2023.