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Insurance Products

Whether you just bought a new car or home, our insurance products are here for you when you need them most.

TruStage™ Auto & Homeowners Insurance Program

Get the insurance program designed just for credit union members, and save up to $427.96** on car insurance. We’ve joined with a dedicated team of insurance professionals to bring you the TruStage™ Auto & Homeowners Insurance Program.

  • The TruStage™ Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members
  • Access convenient e-service: pay your bill, make changes to your policy and even report a claim
  • Receive fast, easy access to claims service 24 hours a day
  • Obtain a free, no-obligation car or home insurance quote

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
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TruStage™ Life Insurance Plans

Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. With many different options in whole and term life policies, TruStage life insurance plans and policies offer affordable rates to fit your budget, and provide excellent coverage underwritten by CMFG Life Insurance Company. Call 855-612-7909 for more information or:

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
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PROTECTION PRODUCTS

Protect your investment—and your pocketbook—with low-cost solutions.

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP) protects you against financial loss in the event your vehicle is damaged beyond repair (totaled) or stolen and never recovered, and is available for eligible motorcycles, boats, RVs, travel trailers and campers.

What is GAP insurance?

Since a vehicle's value declines as a result of depreciation, the loan balance can be higher than its actual cash value. Without GAP coverage, you would be responsible for paying the difference between the insurance settlement and the outstanding loan balance. With the purchase of GAP, the deficiency balance may be waived.

Do I need GAP insurance?

It depends on the amount of your loan and the purchase price of your car. For example, you purchase a vehicle for $31,000. One year later it is stolen and never recovered, or involved in an accident in which it is beyond repair. The value might have depreciated to $15,350, yet you still owe $24,281. Most insurance policies will only reimburse you for the depreciated value of the vehicle, less your deductible. Assuming your deductible was $1,000, the insurance company would pay $14,350. GAP protection would pay the $9,831 difference, meaning no out-of-pocket expense for you.

Questions about GAP? Contact a loan officer >

TruStage® Accidental Death and Dismemberment Insurance Coverage

$2000 of TruStage® Accidental Death and Dismemberment Insurance Coverage Is Yours.

One of the exclusive benefits of credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life.

You can get $2000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. And $100,000 in additional AD&D coverage from CMFG Life can cost about $10** a month. Acceptance is guaranteed, and there are no health questions or medical exam.

Sign up for your no-cost or additional protection today.

TruStage® AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. **AD&D insurance costs between $10 & $15 per month for 100k of coverage. AD&D Base Policy Series E10-ADD-2012 and E10a-014-2012

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Claim Your Coverage > 

 

Vehicle Service Contracts

In addition to offering new, used, and refinanced auto loans, we also offer Extended Vehicle Service Contracts through Vision Warranty Corporation for your auto, truck, or van. Get peace of mind and protection against expensive, unexpected automotive repair costs when you purchase an Extended Vehicle Service Contract.

Buy an Extended Vehicle Service Contract for less than the cost at most dealerships and enjoy:

  • Coverage of most major components in the event of a breakdown
  • No-hassle Direct Payment: no reimbursement forms
  • A one-time premium that may be financed along with your vehicle

Put the brakes on expensive car repairs. A factory warranty may not be enough. Most major repairs occur after the manufacturer's warranty expires. Consider adding an extended vehicle service contract to your loan. Coverage obtained through the Credit Union may save you money when compared to dealer plans.

Available Features Include:

  • Low deductibles - options of $0, $50, $100 or $200 available
  • Coverage for vehicles up to 11 years old with up to 150,000 miles on the odometer
  • Bumper-to-Bumper Exclusionary Coverage on vehicles up 11 years old and with less than 100,000 miles
  • Toll Free Roadside Assistance
  • Toll Free Claims phone number
  • Trip Interruption Coverage
  • Increased vehicle resale value
  • Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
  • Claims are paid directly via credit card
  • Service contracts are valid in the U.S. and Canada

Why purchase an Extended Vehicle Service Contract?

Did you know that 81% of credit union members who purchase a service contract will have at least one mechanical breakdown? Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer's warranty has expired. In addition, it could help if you re-sell your vehicle. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer of the vehicle decline the option to transfer your coverage, you can cancel and apply for a pro-rated refund.

Ready to get an Extended Vehicle Service Contract? 

 

 


 

 

**Figure reflects average national savings for customers who switched to the TruStage Auto Insurance Program. Based on data collected between 9/1/2012 and 8/31/2013. Individual premiums and savings will vary.

7 Year ARM Mortgage

3.250% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 2.49% APR*