Long-Term Care

Auto and Homeowners Insurance

Mechanical Breakdown Insurance/Select Member Protection

CFCU offers valuable insurance/member protection policies that protect your car and your wallet. Our Mechanical Breakdown Insurance for California drivers (MBI)/Select Member Protection (SMP) for all other states is designed to help protect you, the buyer of a new or preowned automobile, against mechanical failure of your vehicle's major mechanical components.*
 
Additional Benefits

• 24-Hour Roadside Assistance
•  Towing and Wrecker Service
•  Road Service
•  Tire Repair/Replacement
•  Lost Key/Lockout Service
• Car Rental
• Reimbursement for substitute transportation from $30-$50 per day for a maximum of 5-6 days depending on plan.
• Trip Interruption
• Reimbursement for motels and meals from $75-$125 per day for a maximum of 3 days if the breakdown occurs 100 miles or more away from your home.

For more information, call 800-232-8101 or visit your local branch.

*Some restrictions apply for MBI on used vehicles.

Protect Your Good Credit

Even If You Sit At A Desk All Day ...

Accidents can happen anywhere, and anyone can get sick. It's not hard to convince people who work in "high-risk" occupations to pay a little extra for Credit Disability Insurance when they're borrowing money. The average bridge repairman or factory worker, for example, is well aware of the dangers inherent in his or her job. Such employees often seek protection to ensure they can make their loan payments in the event they have to stop working for a time.

But accidents can happen anywhere - not just in so-called "high-risk" settings. And folks in every type of work environment, from insurance brokerage to education to retail sales, are just as likely to become seriously ill as their acquaintances in more potentially hazardous jobs.

Credit Disability Insurance protects your family's lifestyle should you become unable to make your monthly loan payments due to injury or illness. If you're single, the affordable coverage protects the good credit rating you've worked so hard to establish. And that's smart planning, no matter what kind of job you have.

For more information, visit your local branch or call us at 800-232-8101.

Credit Disability Insurance is underwritten and administered by Life Investors Insurance Company of America (in all states except CT, ME, NY), Monumental Life Insurance Company (in CT & ME only), and AUSA Life Insurance Company, Inc. (in NY only).

Credit Care

Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Credit Care can help relieve financial pressure in the event of death, disability or involuntary unemployment.

With Credit Care, your loan balance or monthly loan payments will be cancelled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected.

Availability

Credit Care is available for:

• Closed-end consumer loans if the loan has a term of 120 months or less
• Open-end consumer loans and unsecured lines of credit.

Eligibility

There are eligibility requirements, conditions and exclusions that apply to this program. Please contact us for additional details about the Credit Care program.

Definitions of Coverage

Death - Give your family time to get back on their feet financially.

Credit Care and Life Care plans - Cancel the loan balance as of date of death (up to $75,000).

Disability - Help avoid bills piling up as you try to regain your health and earning capacity. Use this benefit as a supplement to any disability coverage you may have at work (which usually only covers 60 percent of pay). Credit Card and Disability Care plans - Cancel up to six payments per occurrence with a monthly maximum cancellation of $1,000 and a maximum aggregate benefit of $15,000 per borrower.

Involuntary Unemployment - Ensure that one of your major monthly expenses will be taken care of as you search for new employment.

Credit Card and Unemployment Care plans - Cancel up to six payments per occurrence with a monthly maximum cancellation of $1,000 and a maximum aggregate benefit of $15,000 per borrower.

Cancel Any Tme

You may cancel Credit Care at any time. If you do so within the first 30 days, we will refund any fees already paid.

A Benefit for You

We've designed our Credit Care program to fit the times we live in today. More than ever, we all worry about things that might happen tomorrow. Credit Care provides an important sense of financial security - knowing your loan will not become a burden to you in times of hardship.

Please consult with one of our representatives to discuss our Credit Care program in more detail.