Credit Union Car Warranty vs Dealer Warranty

Is the credit union financing the purchase?

They are just selling a product. You would deal with the warranty company. Because they are a credit union and don’t have as much of a profit motive, they can sell it cheaper

Extended warranty is a huge income item for a dealership

I think the quality of the warranty would depend more on the company providing rather than who sells it. Read the fine print on both and compare.

Personally, I doubt I'll ever buy one. They're the experts on what breaks and when, and you're betting them that they're wrong.

I don't recall ever spending over $1000 on a passenger car repair in my 40 years of owning cars. (other than a wreck that you already have insurance for)

If it breaks, whip out the credit card and fix it. If it doesn't, go eat at Ruth's 10 times.

Extended car warranties by far and large are usually worthless. There's some scenarios I might consider getting one - a car I beat up on (high performance/sports car), or a knowingly unreliable brand/specific car. I will say newer cars are getting more and more ever complicated (hybrids, plug in hybrids, tech safety features, etc) and it seems like cars have more issues with the tech going into them now than cars from 10-20 years back.

I got my 2014 Honda Accord brand new in 2014 and have put just under 90k miles on it and not a single thing has gone wrong with it in over 8 years and those almost 90k miles a warranty would have covered.

to even consider one again it would be a certain vehicle and if the regular warranty period wasn't great. I mean even Kias/Hyundais arent that well built but still come with like 10 year 100k mile powertrain warranties. On top of that, how many people are driving out cars to 10 years or more? I bet a lot of folks even buying extended warranties dont always drive the cars out that long.