HALLCO Community Credit Union

Loans and Services available to Residents of Hall, White, Dawson, and Lumpkin Counties

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Why Join A Credit Union?

Gainesville Branch
2601 Limestone Parkway
Gainesville, GA 30501

Oakwood Branch
3560 McEver Road, Suite A
Gainesville, GA 30504

Cleveland Branch
379 E. Kytle Street
Cleveland, GA 30528


Hours of Operation
Mon - Thur 8:00 - 5:00
Friday 8:00 - 6:00
Closed Saturday and Sunday

Loans Savings Services

Loan Services

Payment Protection

HALLCO Community Credit Union offers its members two types of Payment Protection.

Credit life Protection is designed to pay off the insured balance on your loan if you die.

Credit disability Protection is designed to pay your loan payments (up to the contract limit) if you become ill or disabled and are unable to work.

Benefits of Payment Protection:

  • Protects your family's financial security. Payment Protection protects your credit rating by ensuring your loan will not end up in default in the event of your disability or death. This reduces the financial burden on your family.
  • Affordable. Payment Protection rates are established by each state and generally result in reasonable, monthly premiums. Rates vary from state to state and the actual cost of your particular coverage depends on where you live, your loan amount and the coverage selected. Please contact us for specific rate information.
  • Convenient. Application is easy and usually done at time of loan application. And, your monthly premium is included with your monthly loan payment.
  • Simplified eligibility. You can usually obtain Payment Protection up to the age of 65 and even up to 70 in some states. Also, a medical exam is not required, although, general health questions may ba asked.

Most members are eligible to apply for credit life and credit disability protection. Coverage is available at affordable rates, and premiums are automatically added to your loan payments.

Protect yourself and your family from the burden that could result if you die or become disabled. Payment Protection offers the peace of mind that comes from knowing your financial obligations will be met.

Please contact us for details on credit life and credit disability payment protection.

Guaranteed Auto Protection (GAP)


In the event your vehicle is deemed a total loss due to an accident or theft, your auto insurance policy will usually cover only the actual cash value or market value of your vehicle less a deductible. This settlement could be significantly less than the amount you owe to your lender or leasing company. The final result is a financial GAP where you must make up the difference, which could mean thousands of dollars out of your pocket.


Guaranteed Auto Protection is a loan deficiency waiver and is not offered as insurance coverage.


Guaranteed Auto Protection protects individuals who finance a new or used vehicle from the financial GAP.

In the current market, during the first few years that you own your vehicle, your loan balance can be higher than the actual value of your vehicle, as a result of depreciation. As your vehicle's value declines, your loan balance may decline more slowly, resulting in a financial gap. If your vehicle were stolen or totaled in an accident, you would be liable to pay the difference between your insurance settlement and your outstanding loan balance.

The purchase of Guaranteed Auto Protection is voluntary and cannot be required as a condition of credit approval.


Guaranteed Auto Protection covers the difference between the actual cash value of your vehicle and the loan balance, less delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges.

Mechanical Breakdown Insurance

Are you tired of those high-cost Vehicle Extended Warranties from dealers and manufacturers? Then check with your credit union regarding a Mercury Insurance Group Extended Protection Plan. Generally, the plans available through Mercury Insurance Group provide similar coverage to the dealer's/manufacturer's plan, but can be obtained for significantly less — in some instances hundreds of dollars on an extended warranty. These warranty plans are issued by Mercury Insurance Group, and may be included in the vehicle financing provided by the Credit Union.

Protect your vehicle with one of four MBI plans (Bronze, Silver, Gold and Platinum).

Credit Life, Credit Disability, Guaranteed Auto Protection and Mechanical Breakdown are administered by a third party provider. Please see our privacy policy for additional information on services offered by third parties.

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