Credit Union insurance protection is an affordable and convenient way to prepare for the unexpected. Group rates make this member benefit very affordable.

Accidental Death and Dismemberment
As a member of the Credit Union age 18 or over, you are automatically eligible for $1,000 of Accidental Death and Dismemberment Insurance coverage. Premiums for this basic coverage are paid by the Credit Union...there is no cost to you! It’s just one of the many benefits of credit union membership. A short enrollment form must be completed to put your coverage in force.

Credit Life and Credit Disability
This loan protection plan is designed to pay your loan in full in case of death, or to make your loan payments if you are disabled from sickness or accident. The plan will protect you, your property and your good credit. Once you sign up and your loan is approved, you are insured for the coverage(s) you elect: Credit Life or Credit Disability & Credit Life. No physical is required, and your premium is included in your regularly scheduled payments. There are no checks to write.

GAP Coverage 
Auto GAP coverage protects you for the difference between what you owe on your car and what your insurance company says it's worth.  Why is an auto GAP coverage so important?  This would become critical if your car was totaled in an accident or if it were stolen. Standard comprehensive and collision auto policies only cover your new car's "fair market value". That can be as little as 80% of what you paid for your car, starting the minute you drive it off the lot. This means that if you're involved in an auto accident that leaves your new car "totaled", or if it were stolen, you would be responsible for the balance remaining after the insurance company paid the fair market value.                                                                                                           

Mechanical Breakdown
This insurance protection offers worry-free driving at a price you can afford and at a considerable savings of hundreds of dollars compared to what you'd pay with manufacturer warranties. This coverage is only available in California.

To activate your free AD&D coverage benefit and for details on other insurance programs, call us at (800) CSC-EFCU.