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Loans & Credit Cards

Protection Plans


Members Choice Payment Protection


Credit Life and Credit Disability:

Members Choice payment protection offers you two plans: term life insurance and disability insurance. The difference? Term life reduces or pays off your eligible loan should you die before completing repayment. Disability coverage makes your monthly payment on an eligible loan should become disabled. Payments continue until you return to work, the loan is repaid, or you reach the policy maximum.

Low group rates make this coverage affordable for you and your family. Your premium is based on the size of your loan and type of policy, not your age or medical condition.

In addition, you purchase just enough insurance to cover your insurable loan balance. No more. Check with your loan officer for additional details.


Once activated, the base LoJack System uses a small hidden transceiver to send a signal to police. This allows the police to track and recover your vehicle. Just file a stolen vehicle report and LoJack is automatically activated. For more information contact our Loan Department.

  • Over 90% of stolen vehicles equipped with LoJack are recovered
  • No ongoing fees, one-time purchase price
  • 24-hour money-back recovery guarantee*
  • Many LoJack-equipped vehicles are recovered with hours
  • LoJack is a prove solution with 20 years experience

Vehicle Service Agreement

As a leading provider of Vehicle Service Agreement programs to credit unions nationwide, only IWS can offer you peace of mind in your choice of protection plans. That means no matter which plan you choose, from our most affordable to our most comprehensive, whether for a new or eligible pre-owned vehicle, you’ll get the additional security of knowing you have chosen one of the finest protection plans available.


MPS Credit Union has joined forces with Intercontinental Warranty Services, Inc. (IWS) to offer your guaranteed asset protection (GAP). Through partnerships with insurance carriers who are rated A or better, by leading insurance analyst A.M. Best Co., Inc. IWS brings peace of mind and financial security to credit union members nationwide.

Drive & Ride Protection

Drive & Ride is similar to other traditional motor clubs, offering hotel and travel discounts and often more extensive roadside assistance benefits seven days a week, 365 days a year. However, unlike other programs, Drive &Ride offers accident benefits and is conveniently rolled into your auto loan so you only pay a few dollars a month rather than an expensive membership fee each year.

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