Discounts & Benefits
TAX SOLUTIONS AND SAVINGS FOR MEMBERS
Exclusive Member Discounts – Just for you!
This tax season you can now get the biggest savings on tax prep services and expert tax help. Plus, as a Mountain Laurel Federal credit union member you can enter for a chance to win $10,000 in the Love My Credit Union® Rewards Tax Time Sweepstakes.
TURBOTAX
- Get a bigger discount this tax season with savings of 20% on TurboTax federal products. Hand off your taxes, get help from experts, or file on your own – with TurboTax, America’s #1 tax preparation provider. Get Started
H&R BLOCK
- Get expert tax help and the best-in-market offer of saving up to $25 on H&R Block professional tax prep. Get your taxes done by a tax pro in an office, via video, or by phone – with H&R Block, experience counts. Get Coupon
AD&D COVERAGE
Just Another Credit Union Membership Perk: $1000 of TruStage Accidental Death and Dismemberment Insurance Coverage at No Cost.
One of the nice benefits of your credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company.
This is important insurance. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident.
To receive $1000 of AD&D coverage at no cost or obligation, all you need to do is claim it.
For greater protection, you can also add to your no-cost policy by purchasing up to $300,000 of additional coverage from CMFG Life. You’ll find the rates are designed to be affordable.
Don’t miss this opportunity to take advantage of your credit union membership. Sign up now for your no-cost or additional AD&D insurance protection.
TruStage AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
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Get trusted protection at true savings with TruStage Auto & Home Insurance Program.
Mountain Laurel Federal Credit Union members can save big on car insurance with the TruStage Auto & Home Insurance Program. Coverage provides a number of popular benefits, so you’ll enjoy true security and get true savings on what matters most.
You could be paying too much for auto insurance
You work hard for your money and even harder to keep your budget on track. So why spend too much on auto insurance—maybe hundreds of dollars too much?
How much could I save?
Credit union members could save hundreds of dollars on auto insurance through the TruStage™ Auto Insurance and Home Program. And it could be simple to switch carriers—without losing any money.
What are the advantages?
The TruStage™ Auto Insurance Program offers a powerful mix of savings & popular, member-friendly benefits:
- Credit union members could save
- Nationally recognized companies
- Friendly service with extended hours
Get a free quote today. Don’t wait to see how much you could save.
Visit LoveMyCreditUnion.org/TruStage for your FREE, no obligation quote.
Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. © TruStage
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LOVE MY CREDIT UNION REWARDS
There are more reasons than ever to love being a member of Mountain Laurel FCU.
Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why credit union membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like these.
» Trust & Will: Members get exclusive savings of 20% off any estate plan with Trust & Will.
» TurboTax: Get a bigger discount this tax season with savings of up to 20% on TurboTax federal products.
» H&R Block: Members can save up to $25 on in-office tax prep at H&R Block.
» TruStage Home & Auto Insurance Program: Get exclusive member pricing and a FREE, no-obligation quote by calling 800-789-6286.
» Rental Kharma: Build your credit history with rent and save up to 30% on Rental Kharma.
Learn all about how your credit union membership gets you all these exclusive savings and more at LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.
Mechanical Repair Coverage (MRC)
Optional protection against costly repairs. Drive with confidence, knowing we’ve got your back.
A breakdown can be troubling enough without the added worry of expensive repairs. That’s why we’re pleased to bring you Mechanical Repair Coverage:
As your vehicle gets older, the risk and cost of repairs increases.
And the average cost of those repairs can be expensive.*
*Actual costs may vary by vehicle year, make, and model. Prices are based on actual claim experience of Consumer Program Administrators, Inc. and its affiliated companies’ customers as of September 2022. Your experience may be
different.
Choose the plan that’s right for you.
We will repair any covered breakdown of your vehicle except items listed under the section titled “Maintenance & Parts This Service Contract/Policy Does Not Cover” and “Service Contract/Policy Limitations.”
Platinum Plan Additional parts† Covered by platinum: † Factory installed.
• High-tech electronics & sensors: Automatic leveling system; cruise control actuator and module; electronic instrument panel control module; electronic stability control system; electronic traction control system; GPS/navigation system and antenna assembly; heated seat element and cooling seat components; rollover protection system; all gauges, sensors and relays.
• Safety & security systems: Heads up display; night vision system; OnStar® system; remote keyless entry transmitter and receiver module; tailgate and hatchback actuators; theft alarm system; tire pressure monitoring system.
• Convenience controls: Auxiliary power point; buzzer/chime (headlamps on, key in ignition); cigarette lighter; clock; compass; electrical or mechanical gas cover and trunk releases; glove box lamp (excluding bulb); headlight wiper motor transmission; illuminated entry lamp (excluding bulb); illuminated vanity mirrors; memory seat system; trip/mileage computer; trunk lamp (excluding
bulb); volt/amp gauge; wiper motor transmission.
• Miscellaneous: Blend door motors; blower motor resistor (regulates fan speed); door hinges; mechanical seat adjustment; outside mirror remote adjustors; rear hatch or hood struts; rear suspension and steering components. And more.
Gold Plan
Covers all silver plan components plus additional items*:
Advanced components:
• Anti-lock brake system • Power seat motor(s) and transmission(s) • Power window motor(s) and power regulator(s) • Power door lock actuator(s) • Digital and analog instrument display(s) • Low fuel sensor • Low coolant sensor • Low oil sensor • Electronic rearview mirror motor(s) • Headlight door motor(s)• Heated back glass • Windshield wiper washer pump(s) • Heater/AC blower motor • Heater core assembly • Heater control valve • Radiator • Radiator fan and clutch • Radiator fan motor including fan blade • Temperature sensor and
relay • Fuel tank and hard lines • Fuel tank sending unit • Power sunroof motor
• Convertible top motor • Constant velocity joints • Horn assembly
• Onboard battery charging system • Battery charge controller • Motor/generator belt tensioner • Drive motor dampener • Voltage inverter reservoir • Three-phase high-voltage cables • Hydraulic or electric regenerative braking system • Onboard computer system including all relays • Sensors • ECU & ECM (electronic control units/electronic control modules) • Power switch/button • Controller/electronic throttle control system
Silver Plan covers components listed below:
Engine – gasoline engine:
• Cylinder block and all internal lubricated parts • Crankshaft • Rod and main bearings • Cam bearings expansion (freeze) plugs • Connecting rods • Wrist pins • Pistons • Piston rings • Camshaft • Cam tower • Lifters • Cylinder head
• Valves and guides • Valve springs • Rocker arms (cam followers) • Pushrods • Timing chain housing (cover) • Timing chain and sprockets • Timing belt and pulleys • Timing belt tensioner • Intake and exhaust manifolds • Flywheel • Balance shafts • Harmonic balancer and retainer bolt • Crankshaft pulley • Valve covers • Oil pan • Oil pump and pressure relief valve • Engine oil cooler hoses • Oil filter adapter/ housing • Engine oil sending unit • Engine mounts • Water pump • Temperature sending unit • Thermostat and housing • Fuel supply pump • Vacuum pump • Dipstick and tube • Fasteners for all listed components
Engine – turbocharged/supercharged/rotary/diesel/enhanced engines:
• All the above listed parts
or equivalent plus:
• Turbocharger • Waste gate controller • Intercooler • Hard lines • Compressor
• Clutch and pulley • Bypass valve • Injection pump • Lines and nozzle
• Case and all internal lubricated parts • Oil pump • Valve body • Torque converter • Vacuum modulator • Governor • Main shaft • Clutches • Bands • Drums • Gear sets • Bearings • Bushings • Sealing rings • TV cable • Solenoids
• Electronic shift control unit • Transmission mounts • Cooler • Cooler hoses and hard lines • Dipstick and tube • Fasteners for all listed components
• Case and all internal lubricated parts • Main shaft • Gear sets • Shift forks • Synchronizers • Bearings • Bushings • Fasteners for all listed component
• Case and all internal lubricated parts • Main shaft • Gear sets • Chain and sprockets • Bearings • Bushing • Mounts • Electronic and vacuum engagement components • Fasteners for all listed components
• Final drive housing and all internal parts • Carrier case • Gear sets • Chain and sprockets • Bearings • Bushings • Axle shaft • Universal joints • Front hub bearings • Rear hub bearings • Locking hub assemblies (4X4) • Drive shaft support • Fasteners for all listed component
Rear wheel drive:
• Drive axle housing and all internal lubricated parts • Carrier case • Gear sets • Bearings • Bushings • Limited slip clutch pack • Axle shafts • Front hub bearings • Rear hub bearings • Propeller shafts • Universal joints • Drive shaft support • Fasteners for all listed components
• Housing/case and all internal lubricated parts • Rack-and-pinion-equipped valve assembly • Sector shaft • Rack mounts and cushions • Inner rod ends and bellows boots • Speed sensor- or steering gear-equipped pitman shaft and valve assembly • Sealing rings • Bearings • Bushings • Pitman arm • Center link • Tie rods • Idler arm • Power steering pump and pulley • Electric power steering motor • Fluid reservoir • Pressure and return hoses • Cooler and hard lines • Power cylinder assembly • Steering main and intermediate shafts • Coupling • Fasteners for all listed components
Front suspension:
• Upper and lower control arms • Bump stop cushions • Control arm shafts • Torsion bar mounts and bushings • Strut rods and bushing • King pins • Upper and lower ball joints including dust boots • Steering knuckle (spindle) • Wheel bearings and seals • Stabilizer shaft • Stabilizer linkage including mounts and bushings • Fasteners for all listed components
Brakes:
• Master cylinder & Assist booster & Wheel cylinders • Combination valve • Disc brake calipers and rear caliper actuators • Hard lines and fittings • Backing plates • Springs • Clips and retainers • Self-adjusters • Parking brake linkage and cables • Fasteners for all listed component
Electrical:
• Alternator • Voltage regulator • Front and rear windshield wiper motors and delay controller • Starter motor and drive • Starter solenoid • Wiring harnesses • Manually operated switches (specifically turn signal, headlight, dimmer and wiper switches) • Mechanically actuated switches (ignition, brake light and neutral safety switch) • Electronic fuel injection system including all input/sensor & output/ control units (except EGR valve) related to the fuel injection system • Electronic ignition module • Distributor and coil • Engine management control unit • Knock sensor and oxygen sensor
• Compressor and mounting brackets • Clutch and pulley • Condenser • Evaporator • Orifice tube • Accumulator • Temperature control programmer • High/low pressure cutoff switches • High/low pressure hoses • Pressure cycling switch• Thermostat • Drier • Temperature control head • Fasteners for all listed components • Freon refrigerant, if necessary, in conjunction with the repairs of all listed components
• Electric motor/generator(s) and all internal components •Inverter/converter/transformer units and all internal components •Inverter/converter/transformer units cover • Continuously variable transmission (CVT) and all internal components • Power split device and all internal components • Reduction/reducer box and all internal components and fasteners for all listed components • Hybrid battery junction block • Hybrid battery main battery cable • Electric alternating current compressor
• All seals and gaskets on the assemblies listed above.
Coverage benefits
• Substitute transportation: up to $50 per day (10-day maximum); available on the first day of a covered repair; benefit is rental reimbursement and is limited to $35 a day in CA (5-day maximum, 10-day maximum for parts delay)
• 24-hour emergency roadside assistance: up to $125 per occurrence; includes towing, battery jumpstart, fluid delivery, flat tire assistance, extraction assistance and lock-out service; benefit does not include extraction assistance and is limited to $100 per occurrence in CA
• Travel expense reimbursement: up to $200 per day (5-day maximum) for lodging, food and transportation expenses when a covered breakdown occurs 100 miles or more from home and your vehicle is held overnight at a repair facility; not available to residents of NY
• Key replacement: up to $800 per occurrence for the repair or, if nonrepairable, the replacement of lost, stolen or damaged keys (including fob and/or remote) including any programming; not available to residents of CT, MA, PA, VT
• Paintless dent repair: provides for the repair of dings and dents, no larger than 4 inches in length/diameter, that are within an accessible area on a body panel of your vehicle and that are repairable through existing paintless dent repair techniques; not available to residents of CT
• Commercial use: pays for covered breakdowns when your vehicle is used for permitted commercial purposes.
• Rideshare: pays for covered breakdowns when your vehicle is used for ride-sharing purposes such as Uber or Lyft
• Lift kit, leveling kit & lowering kit: pays for covered breakdowns when your vehicle is equipped with a lift kit not to exceed 6 inches, leveling kit not to exceed 2.5 inches or lowering kit not to exceed 2 inches (lift kit, leveling kit or lowering kit components themselves are not covered)
• Mobility equipment: provides coverage for mobility equipment components when installed by the manufacturer or a licensed installer.
• Good at any authorized repair facility: in the continental United States of America, Alaska, Hawaii and Canada
• No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair.
• Transferable: if you sell your vehicle privately, the coverage can be transferred (for an administrative fee), adding resale value and appeal
• Cancelable: receive a full refund for an unused agreement within the first 60 days, or a prorated refund thereafter less an administrative fee*
*Cancellation provision and administrative fees vary by state.
What’s not covered
• Normal maintenance services and parts
• Maintenance services and parts described in the manufacturer’s maintenance schedule for your vehicle.
• Other normal maintenance services and parts including:
• Engine tune-up includes spark plugs, glow plugs, ignition wires, distributor cap and rotor▪ All batteries, including but not limited to hybrid/electric vehicle batteries.
• Filters, lubricants or fluids, air conditioning refrigerant, engine coolant
• All hoses and belts (not specifically listed), wiper blades, brake pads and shoes, brake rotors and drums, suspension alignment.
• Body structure and parts
Glass, glass framework and fastening adhesives, trim, moldings, bright metal, paint, sheet metal, bumpers, alignment of body parts, flexible body parts, door panels, body panels, structural framework, convertible top framework, structural welds, hinges, door handles, vinyl and convertible tops and nonmechanical removable hardtop assemblies.
• Other parts
Constant velocity boots, tires, wheel covers, wheel rims, wheels, wheel balancing, exhaust system, catalytic converter, friction clutch disc and pressure plate and clutch release bearing, sealed beam head lamps, light bulbs, lenses, upholstery
• Abuse, misuse, and lack of proper maintenance
• Aftermarket equipment, components, systems or accessories not installed by the manufacturer
• Normal wear and tear where no failure has occurred
• Pre-existing conditions*** and corrosion
Certain conditions and components are excluded, such as inadequate maintenance and loss of coolant or lubrication of the vehicle, corrosion, and parts designed for limited life such as bulbs, filters and brake pads. See the exclusions section of the service contract for complete details.
*Components not listed are not covered.
**Not every deductible available on all MRC Plans or Terms.
***(N/A in GA)
Ask your loan officer about Mechanical Repair Coverage today!
Disclosure:
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 NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where
coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located
at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.
The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms,
conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured
© TruStage
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