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Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events to ensure loan payments can be made on time. That’s where optional CreditGuard comes in. Under this Debt Protection Program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected — and most importantly — that your family is protected.

If you meet eligibility requirement and conditions, debt protection will provide the following benefits:

• Death — Helps your family get back on their feet financially with the cancellation of your loan.
• Disability — Cancels your loan payments for a period of time as you regain your health and earning capacity.
• Involuntary unemployment — Helps ensure your loan payment will be taken care of as you search for new employment.

You may cancel CreditGuard Debt Protection at any time. If you do so within the first 30 days, we will refund any fees already paid.


Guaranteed Asset Protection Advantage, or GAP Advantage, is a voluntary, non-insurance program offered as protection on a new or used vehicle that is financed or leased. It is a supplemental benefit that enhances, rather than replaces, your standard comprehensive, collision, or liability coverage. GAP Advantage waives the difference between your primary insurance carrier’s settlement and the payoff of your loan, with certain limitations. GAP is a one-time flat fee of $499. 

GAP Advantage also provides you with a $1,000 credit towards the financing of a  Replacement vehicle if financed or leased with Laramie Plains FCU. 


  • No Deductible
  • Nationwide Coverage
  • 24/7/365 Emergency Roadside Service
  • 30 Day Money-Back Guarantee
  • Transferable
  • Direct Claim Payments Via Visa/Mastercard

Rates are based on vehicle year, make, mileage. 

What type of loan are you interested in protecting:
How do you want to CYA?*

One aspect of our Debt Protection Program which makes it so advantageous for a member is that the protection you elected will begin coverage immediately. However, the life and disability protection may not provide a benefit on your advance or loan if the person(s) protected becomes disabled or dies from a condition for which you received treatment, consultation, or advice from a doctor in the 6 months immediately prior to the effective date of protection. The effective date of protection means the later of the loan or advance date. This exclusion will not apply if the disability begins or death occurs more than 6 months after the effective date of protection. During the first 6 months you are protected for any other sickness or injury that disables you for more than 30 days.  Advance date does not apply for credit card loans.