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Protect What Matters

Finding the right protection for your favorite wheels is as important to us as it is to you. Our payment protection plans and warranty programs for repairs and breakdowns take the worry out of auto ownership.

Route 66 Warranty

Route 66 Warranty is a comprehensive extended warranty coverage for all makes and models of automobiles so that you'll be able to enjoy your new purchase and have peace of mind.

  • You are eligible for this program even if your auto loan is not with Dakotaland
  • Route 66 Warranty has over 20 years' experience
  • All warranties are fully insured
  • All plans have a $0 deductible
  • 30-day money back guarantee
  • Nationwide coverage
  • 24/7/365 Emergency Road Service with EVERY plan
  • Plans are transferable if you sell your car

    View more information about the Route 66 Warranty.

Debt Protection with Life Plus

Debt Protection

Your family means everything to you. And if the unexpected happens, you don't want an emotionally trying situation to be compounded by financial worry. That's why there's Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death 

Things to know about Debt Protection:

It's easy
Simple to apply for and takes effect immediately.

It's budget-friendly
Comfortably fits into your monthly payment.

It puts you at ease
Rest easy knowing you're taken care of in so many problem situations.

Life Plus

For additional protections, Life Plus can extend your Debt Protection to address a wide rance of circumstances, giving you the reassurance of knowing you've taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Credit Disability Insurance

MEMBER'S CHOICE® Credit Disability Insurance is a way to help cover you and your family. There is no way anyone can predict a total disability due to injury or a medical-related illness, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. MEMBER'S CHOICE® Credit Disability Insurance helps pay your loan when you and your family need it most.

How Does it Work?

The premium is included in your monthly loan payment. If you have a balance on your loan at the time of a total disability, MEMBER'S CHOICE® Credit Disability Insurance can help. By taking a few simple steps while signing your loan paperwork, you're helping take responsibility for your family's financial future. Your loan officer can show you how and everything is included in your monthly loan payment.

You can cancel within the first 30 days for a full refund or any time after if you change your mind. If at any point you have questions, or if you need to file a claim, simply contact your credit union. Once you complete the loan documents, coverage begins immediately for eligible borrowers.

Why is it Valuable?

You and your family won't have to make loan payments. Instead, MEMBER'S CHOICE® Credit Disability Insurance will help pay your loan while you're totally disabled, up to the policy maximum. Regular disability insurance typically only covers a fraction of your salary and that's if you qualify. It's a safety net for your family so they don't have to deplete savings while you are totally disabled.

Call Dakotaland Federal Credit Union at 800-440-6573 to learn more and enroll today.

To view the full disclosure, please click here.

GAP Insurance

What is MEMBER'S CHOICE™ Guaranteed Asset Protection Plus (GAP PLUS)?
When you buy a new or used vehicle, there's no way to know if it will be stolen or totaled in an accident. And, many times primary auto insurance settlements don't pay off your loan balance. With the purchase of GAP Plus, you're helping to protect your vehicle investment against a possible financial loss.

How does GAP PLUS work?
The GAP Plus fee can be included with your monthly payments or made separately by cash, check, charge or possibly electronic funds transfer. If your car is stolen or totaled in an accident and there's a difference between what you owe on your auto loan and the value of your vehicle, GAP Plus will help cancel the difference based on the terms of your member agreement. By adding GAP Plus while signing your loan paperwork, you're helping take responsibility for your financial future. Your loan officer can show you how. 


You may cancel GAP Plus at any time after your enrollment date. If you cancel within 90 days, you'll receive a full refund. If you have questions, simply contact your credit union.

Why is it valuable?
Vehicles often depreciate rapidly and vehicle loan terms have typically been increasing in duration. If your vehicle is stolen or totaled in an accident, GAP Plus will help cancel the difference between the primary insurance settlement and what you may still owe on your vehicle loan. In addition, if your vehicle is stolen or totaled in an accident, it will cancel $1,000 of your next loan with your credit union, when you purchase a replacement vehicle within 60 days of your primary insurance settlement. GAP Plus helps you prepare for the unexpected.

What is the GAP Deductible Assistance and how does it work?
The GAP Deductible Assistance is a complimentary benefit being provided to our members whom purchase GAP PLUS. It applies to motor vehicles insured under your individual primary auto insurance policy. Deductible Assistance is designed to cancel out part of your debt when a comprehensive or collision claim is paid through your primary auto insurance and a deductible is incurred. The actual loss must result in a paid claim that exceeds the deductible amount on your primary auto insurance policy. The primary auto insurance policy must be in force at the time of the loss. GAP Deductible Assistance allows up to 2 non-totaled occurrences protected per 12 month period.