> Online Banking Sign-on

Guaranteed Asset Protection (GAP)

Reduce your out-of-pocket expense in the event your vehicle is stolen or damaged beyond repair.


GAP offers an additional measure of family security and peace-of-mind by reducing the financial burden that may be incurred if your vehicle is stolen or totaled. Additionally, GAP prevents the deficiency loan balance from being added to a new loan in the event of a total loss, and serves to protect your credit rating. GAP can be purchased at a low, one-time cost.

  • Competitively priced, must-have protection for members who finance their new or used auto, at only $395
  • Protects your credit rating
  • Mitigates out-of-pocket expenses for the remaining loan balance after loss settlement.*
  • The GAP Advantage (included at no additional charge) gives you further peace of mind. If the covered vehicle ever becomes "totaled", or is stolen and not recovered, GAP Advantage pays an additional $1,000 toward the purchase of your replacement vehicle. Not only will you receive the difference between the value of your vehicle and its unpaid loan balance, you also get a head start on financing a new or used replacement vehicle when you refinance at the Island!


  • When you drive your new car off the dealer's lot, it depreciates 10-15% of its value
  • One vehicle is stolen in the U.S. every 27 seconds
  • Every year a half million vehicles are totaled due to accident, fire, and theft

Add GAP to your Island auto loan AT ANY TIME!
Simply call (800) 848-5654, option 5 or visit your local branch.


*Less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges.
Facts provided by the Highway Traffic Administration, National Insurance Theft Protection, and Auto Theft Information Authority