Member’s Choice Extended Warranty: Is It Worth It?

Advertiser Disclosure

Are you considering purchasing an extended car warranty from Member’s Choice®?

In this guide, we’ll make it easier for you to decide on Member’s Choice by reviewing the company, its coverage, and sharing user reviews.

It’s wise to get at least 2-3 quotes when comparing your options. Pricing varies based on location, vehicle, and more. Below are our top picks for extended warranty companies:

In This Article:

What Is A Member’s Choice Extended Warranty?

A Member’s Choice extended warranty is a vehicle service contract created by CUNA Mutual Group and administered by various warranty service companies.

A Madison, Wisconsin based company, CUNA Mutual Group was founded in 1935 and employs over 3,700 people worldwide. It is an insurance company that provides financial services to credit unions, their members, and other customers worldwide. 

What Does A Member’s Choice Extended Warranty Cover?

There are three different types of Member’s Choice extended warranties: Silver, Gold, and Platinum.

Below is a table that compares the provider’s three different plan coverages. For more details on each of the specific plans, you can visit CUNA Mutual’s website.

What Does A Member’s Choice Extended Warranty Cost?

The cost of a Member’s Choice extended warranty depends on a variety of factors including your vehicle’s mileage, age, and model. 

Since CUNA Mutual’s website does not offer the opportunity to receive a free quote, it is not clear how the cost of a Member’s Choice extended warranty compares to other leading providers.

Concerns With A Member’s Choice Extended Warranty

While a Member’s Choice extended warranty might be a good option for some prospective customers, our review team cannot recommend this warranty to our readers for these reasons:

1. No free quote online: An online free quote allows prospective customers to see what the cost of their extended warranty would be before talking to a sales representative.
2. No sample contract available online: Prospective customers want to know exactly what their extended warranty would and wouldn’t cover, and sample contracts give the detailed information needed to make a wise decision.
3. Not available to all customers: A Member’s Choice extended warranty is only available to members of credit unions. Many of our readers are not members of credit unions, and this warranty would not be an option for them.

Our Recommendations For Extended Car Warranties

Our reviews team has examined several extended warranty companies, and we found that both CARCHEX and Endurance are excellent providers.

CARCHEX and Endurance come out ahead of Member’s Choice extended warranty for the following reasons.

1. Available to all customers: CARCHEX and Endurance are available to all prospective customers, not just members of credit unions.
2. Free quote and sample contracts online: CARCHEX and Endurance offer free quotes and sample contracts online so that prospective customers have everything they need to make a decision before talking to a sales representative.
3. Industry partnerships: CARCHEX partners with major players in the industry, including Kelley Blue Book, CARFAX, and Edmunds.com. Endurance partners with Andretti Motorsports, a highly successful auto racing company.
4. Reputation: CARCHEX holds an A+ rating with the Better Business Bureau (BBB). Endurance won a 2019 Stevie Award for its outstanding employee benefits.

Read our CARCHEX review and Endurance review for more information on each.

Deciding Between CARCHEX and Endurance

Deciding between CARCHEX and Endurance? To help you make your decision, we’ve provided a few recommendations below. In general, you can’t go wrong with either of these strong choices for extended warranty coverage.

1. Read our CARCHEX vs. Endurance review
2. Receive a free quote from each provider and compare the cost
3. Read a sample contract from each provider and compare their coverage plans against each other.

Read our other guides to auto warranties:

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