Long-Term Care Insurance

CFCU has partnered with California Long Term Care Insurance Services, Inc. (CLTC) to offer a comprehensive Long Term Care Program to members.

The program allows members to receive discounted rates on policies for ongoing services not covered by other types of health insurance, such as home health care, assisted living facilities, and nursing homes.

The program’s national network of Long Term Care Specialists can help you:

  • Evaluate if long term care planning is right for you
  • Get a comprehensive understanding of your options
  • Get specific quotes custom-tailored from multiple highly-rated insurance companies, often at a discounted price

For more information, and to receive a complimentary informational booklet, click here or call CLTC at 800-303-1527.

Accidental Death & Dismemberment Insurance

CFCU has partnered with the Affinion Group and Federal Insurance Co. to offer members Accidental Death and Dismemberment (AD&D) Insurance coverage at low group rates.

Members who enroll will receive $2,000 of Accidental Death and Dismemberment Insurance at no cost and have the opportunity to purchase additional coverage in increments between $25,000 and $300,000. The price for additional coverage is $1.00/month (individual) and $1.50/month (family) per $10,000 of coverage.

Premiums for any additional coverage purchases are automatically deducted from members’ Primary Share or Checking accounts quarterly every January, April, July, and October.

For more information, please call the Affinion Group at 877-309-6576.

Auto and Homeowners Insurance

Liberty Mutual Insurance Group's Savings Plus Program offers CFCU members discounted rates for auto and homeowners insurance. Premiums are quoted on an annual basis and are not subject to increase every 3-6 months like most insurers. You even have the option of paying your premium automatically with a monthly deduction from your CFCU account. For a free quote, call 800-225-8281, or visit them online at

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 to $50 per day for a maximum of five to six days depending on plan.

Trip Interruption
  • Reimbursement for motels and meals from $75 to $125 per day for a maximum of three 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).


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

With ConsumerSafe, 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.


ConsumerSafe is available for closed-end consumer loans (if the loan has a term of 120 months or less); and unsecured lines of credit.


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

Definitions of Coverage

Death: Give your family time to get back on their feet financially. ConsumerSafe 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). ConsumerSafe plans cancel up to three 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. ConsumerSafe plans cancel up to three payments per occurrence with a monthly maximum cancellation of $1,000 and a maximum aggregate benefit of $15,000 per borrower.

Cancel Any Time

You may cancel ConsumerSafe 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 ConsumerSafe program to fit the times we live in today. More than ever, we all worry about things that might happen tomorrow. ConsumerSafe 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 ConsumerSafe program in more detail.

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