Mechanical Repair Coverage (MRC)

You can drive with confidence knowing we’ve got your back. Protect yourself from covered repairs that could cost hundreds or thousands of dollars.

Learn More
Man sitting in Car

What is MRC?

Looking for an extended warranty for your vehicle? Mechanical Repair Coverage (MRC) can help protect you from unexpected, covered repair costs as your vehicle ages. Similar to an extended warranty, MRC covers many major vehicle components, from your engine and transmission to advanced technology and entertainment systems. Coverage also includes valuable benefits like roadside assistance, rental car reimbursement, travel expense reimbursement, and more.

Why do I need this type of coverage?

  • Protects you from having to pay for covered repairs.

  • Provides emergency roadside assistance and rental car reimbursement.

  • Find flexible coverage options to meet your needs.

Coverage Options

Silver Plan

This includes basic repair coverage for components such as your transmission, engine, wheels, front and rear wheel drives, steering, brakes, air conditioning, suspension, and more.

Gold Plan

Includes everything with the Silver Plan plus hybrid and electric vehicle features. Also receive repairs on advanced components like sensors, radiator parts, fuel tank, and more.

Platinum Plan

Includes everything with the Gold and Silver Plans plus luxury features like GPS navigation, Bluetooth, entertainment system, and other miscellaneous repairs.

Things to know when filing an MRC claim:

  • Take Your Vehicle to a Licensed Repair Shop – Ensure the facility obtains prior approval before beginning any covered repairs.

  • Claim Approval - The repair shop will need to call (800) 752-6265 to submit the claim. If approved, the payment will be made via credit card through the administrator. You will still be responsible for your deductible (if applicable).

Ready to secure your loan and car protection?

For questions or to purchase Credit Insurance, schedule an appointment at your nearest branch or call (888) 413-0652.

Financial Freedom happens here.®

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 P.O. Box 802746 Chicago, Illinois 60680-2747, 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 of like kind and quality.

MRC-8130436.1-0725-0827

Routing Number ⑆ 263181368
© 2026 FAIRWINDS Credit Union