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As your vehicle gets older and miles add up, will you be able to afford the repairs you need to keep your car on the road?

MRC can help limit the cost of repairs.

You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of any breakdowns. You pay only the applicable deductible, if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow.

Fact 1

As your vehicle gets older, the risk and cost of repairs increases.

As the age and mileage of the vehicle increases, so does the risk

Fact 2

Repairs can be expensive.1

Engine
$8,900
Automatic Transmission
$5,970
Navigation
$2,140
Steering Gear
$2,105
Timing Chain
$1,735
A/C Compressor
$1,145
Engine Control Module
$1,085
Alternator
$1,010
Fuel Pump
$845
Starter
$760
Brake Calipers
$575

Choose the plan that’s right for you.

PLATINUM PLAN

COVERS ANY COVERED BREAKDOWN EXCEPT ITEMS LISTED UNDER “WHAT’S NOT COVERED.” PLATINUM COMPONENTS COVERED:

  • HIGH-TECH ELECTRONICS &SENSORS
  • ENTERTAINMENT SYSTEM
  • SAFETY & SECURITY SYSTEMS
  • CONVENIENCE CONTROLS

GOLD PLAN

COVERS ALL SILVER PLAN COMPONENTS PLUS:

  • POWER SEAT MOTOR(S) AND TRANSMISSION(S)
  • POWER WINDOW MOTOR(S) AND POWER REGULATOR(S)
  • POWER DOOR LOCK ACTUATOR(S)
  • INSTRUMENTS AND SENSORS
  • HEATER & A.C. BLOWER MOTOR
  • RADIATOR
  • FUEL TANK
  • HORN ASSEMBLY
  • ADVANCED HYBRID/ELECTRIC VEHICLE COMPONENTS

SILVER PLAN

  • ENGINE
  • TRANSMISSION
  • FRONT WHEEL DRIVE
  • REAR WHEEL DRIVE
  • STEERING (EXCEPT REAR WHEEL)
  • FRONT SUSPENSION
  • BRAKES
  • ELECTRICAL
  • AIR CONDITIONING
  • BASIC HYBRID/ELECTRIC VEHICLE COMPONENTS
  • SEALS & GASKETS

Benefits for covered repairs

  • Limit repair costs to your deductible, if any.
  • Choose your deductible*: $0, $100, $250, or $500.
  • Rental reimbursement up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one.
  • 24-hour emergency roadside assistance up to$100 per occurrence. Includes towing, battery jumpstart, fluid delivery, flat tire assistance & lock-out service.
  • Travel reimbursement up to $200 per day for 1-5 days for food, lodging & transportation expense.2
  • Good at any authorized repair facility in the U.S. or Canada.
  • No out of pocket expense except any deductible. Plan pays the repair facility.
  • Transferable to increase resale value. Only if sold privately. Subject to transfer fee.
  • Cancel for full refund within 60 days.3

What’s not covered?

  • Normal maintenance services and parts. Examples: batteries, belts, brake pads, exhaust system, filters, fluids, wheels, wiper blades, etc.
  • Abuse, misuse, and lack of proper maintenance.
  • Body structure and parts. Examples: trim, molding, glass, paint, etc.
  • Aftermarket equipment, components, systems or accessories not installed by the manufacturer.
  • Normal wear and tear where no failure has occurred.
  • Corrosion and pre-existing conditions (not applicable in AZ and GA).
  • Exclusions and limitations apply. See the Vehicle Service Contract or the Insurance Policy for details.

Ask to your representative for details.

 

*Not every deductible option is available for all MRC Coverage Plans or Terms. Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA , and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to re ad the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.1Actual costs may vary by vehicle year, make, and model. Prices based on specific manufacturer-suggested labor & component repair prices for a representative sample of 2016 Asian, Domestic, and European vehicles as reported by a nationally-recognized labor/time publication. 2Only when a covered breakdown occurs 100 miles or more from home. (Not available to NY residents.) 3Full refund available only if coverage is unused in the first 60 days. If used or cancelled after 60 days, refund is prorated less administrative fees. Cancellation administrative fees vary by state.

 

VISA® Credit Cards

REFCU offers you a choice of Platinum and Secured VISA® Card for those of our members wishing to establish or re-establish credit. Our VISA® rates are fixed and can be from 12.99% to 17.99% APR, based on creditworthiness.

SOLICITATION DISCLOSURE


credit card increase

Lost/Stolen Visa Credit Card

For lost or stolen Visa credit cards, please call 1-888-999-7729.

24/7 Cardholder Service

Call 1-888-999-7729 (toll free U.S) or 531-262-5304 (international) for balance inquiries, payment information, transaction history, statement requests or to dispute a charge.

Visa Platinum

If you want to transfer your balance from a higher-rate credit card, take advantage of the low interest rate VISA® Platinum.

Experience greater purchasing power with the VISA® Platinum. This card offers a fixed rate of 12.99% to 17.99% APR, based on creditworthiness, along with the following benefits:

  • Limits up to $30,000
  • 25-day grace period for purchases
  • No annual fee
  • No balance transfer fee
  • Worldwide access to funds at participating institutions

Check you Credit Card Rewards


VISA® Secured Credit Card

This card is for members that are interested in building or improving their credit. With an APR of 13.99%, REFCU can help you establish a credit history that will benefit you now and in the future.

How does it work?

  • Your credit line will be determined by the amount of your deposit.
  • Then make purchases with your card up to the amount you have in your security deposit account.
  • Pay at least the minimum payment before the due date each month.
  • Based on your credit and payment history with your secured card, you may qualify for an unsecured card at a later date.
  • No credit checks to get started, but gets reported to the credit bureau once you get it.

Do you need extra cash? No problem. Use your REFCU VISA® Card and experience the same low rate as your regular purchase. More importantly, no annual fee is required. Check your account status online 24 hours a day.


Your monthly payment can now be deducted directly from your credit union Share Savings or Checking Account. Call our Representative for details.


Speak with a Representative at (845) 371-5804 or toll-free at 1-877-922-2822 if you have questions or concerns.

Traveling Outside the United States?


Notify REFCU when you travel outside of the United States with the following information:

  • Where you are traveling
  • How long you will be outside of the country
  • When you plan to return


This information will be noted on your account and will alert us to upcoming transactions that will occur outside of your typical spending behavior.

Contact us by phone at (845) 371-5804, Toll-free at 877-922-2822, visit any of our branch locations or send us a secure email.

list bullet Apply for a Student Visa Credit Card Today!

Use your time in college to get a student credit card and build up your credit score so you're prepared for the real world. Apply for a REFCU Student Visa Credit Card today.

  • Get an Introductory 0.00% APR the first 6 months on purchases, cash advances and balance transfers.
  • After the Introductory period, the rate will revert to 12.99% APR*.
  • No Annual Fee or Cash Advance Fee.
  • Maximum credit line is $1,000.
  • Must be 18 years old and have a cosigner when applying.

*On current balance and new purchases, cash advances and balance transfers.

Loans

One of the greatest advantages of REFCU membership is our complete line of low-rate loans. We have financing for almost anything you desire and flexible payment options.

Apply for Loan

APPROVAL CRITERIA

Loans are approved based on your overall creditworthiness, including credit history, capacity to repay (debt to income ratio), stability of employment, residential history (current and previous), and collateral if applicable.

The process is easy. Here is what you need:

REPAYMENT OPTIONS

Repayment options include cash, check, bi-weekly/monthly transfer from checking or savings, or through your direct deposit or payroll deduction.

LOAN TYPES

Personal Loans

Apply for a low-rate personal loan from REFCU, and use the money to buy appliances, a new computer, or your dream vacation, just to name a few.

Unlike your credit card, a personal loan gives you the comfort of knowing what your payment will be and when your loan will be paid off.

New Auto Loans

Is your car turning into a collector item? Are you tired of repair expenses? Maybe is time to get a new car. Let us finance it!
At REFCU we finance any new vehicle* up to 100% of its MSRP or Retail Value according to KBB (Kelly Blue Book) or NADA. If your loan is currently serviced elsewhere, refinancing at our great rates could save you money.

Up to 100% financing is available to qualified.

* Vehicle of the previous model year with fewer than 3,000 miles can be financed as a new vehicle. Vehicle must not be previously titled.

Used Car Loans

Looking for an affordable car to use on a road trip? Maybe you're looking for a sports car to cruise the town, or you just need to get to work. Whatever your reason for getting a used vehicle, let Rockland Employees Federal Credit Union help with the financing.

View our current rates.  Apply Now!

Motorcycles, Boats, RV’s Loans

With terms up to 84 Months, you can enjoy a recreational vehicle at a low fixed rate. View Our Loan Rates »

Overdraft Line of Credit

Take the worries out of check writing by linking your checking to a Personal Line of Credit to ensure that your checks will be honored.

Share Secured Loans

Our Share Secured Loan allows you to borrow against your savings, while still earning dividends on your money.
Benefits:

  • Rates lower than any other loan product
  • Continue to earn dividends on your pledged funds
  • Convenient payment options
  • Repay your loan timely and you will be on your way to establish good credit.

Share Certificate Secured Loans

This loan offers another way to access funds without dipping into your savings. Borrow up to 100% of your Share Certificate balance and enjoy a low rate.

Mortgages

Buying a home is a big step. You need a lender you can trust and who will work with you through the process. That lender is REFCU. We can finance or refinance your home and help you make the most of your equity with our affordable range of mortgage and home equity options.

Learn more about your mortgage and home equity options as well as our current real estate loan rates,

For more information, call (877) 922-2822.

Home Equity Loan (Fixed rate)

Consolidate your bills, make that needed repair to your home or pay for college tuition with a low rate REFCU Home Equity Loan. The interest may even by tax deductible. Contact your tax advisor for details. Home Equity Application »

VISA® Credit Cards

REFCU offers a VISA Platinum Visa® Credit Card and a Secured VISA® card (for those of our members wishing to establish or re-establish credit). Learn more »

 

If you have questions, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.

 

HOURS OF OPERATION

SPRING VALLEY BRANCH

The Spring Valley Branch will operate on

Monday - Friday.
8am - 4pm

ROCKLAND PSYCHIATRIC BRANCH

The Rockland Psychiatric Branch will operate on

Monday - Friday.
8am - 4pm

HELEN HAYES BRANCH

The Helen Hayes Hospital remains closed to the public but we are serving the employees of the hospital on payroll Fridays ONLY.