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Loan Protection

Credit Life, Disability, and Unemployment Insurance

Protects you and your family from unforeseen circumstances, including loss of a life, an unexpected disability, loss of employment, or an unpaid family leave. All of these “protected events” are difficult to predict.

Low group rates make this coverage affordable for you and your family. Your premium is based on the size of your loan and type of policy, not your age or medical condition.

In addition, you purchase just enough insurance to cover your insurable loan balance. Contact Us for additional details.

 

Two options available:

  • MEMBER’S CHOICE® Credit Life Insurance is a voluntary coverage that can help reduce or pay off your loan balance, up to the maximum limit, if you or your covered co-borrower passes away.
  • MEMBER’S CHOICE® Credit Disability Insurance is a voluntary coverage plan that helps make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.

You can add these insurance plans to your auto loans and/or personal loans or lines of credit. Other features include:

  • Automatic eligibility for most borrowers
  • Simple enrollment
  • No medical screening
  • Cost included in your loan payment

You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER'S CHOICETMCredit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Policy Agreement for a full explanation of the terms. Credit Life and Disability is not available on Home Equity Lines of Credit.

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Members LoveECSFCU!

  • ECSFCU is big enough to approve loans with great rates and small enough to provide personal service and products that are important to the educational community.
    Randy Montesanto Grossmont Union High School District
  • We bank with East County Schools Federal Credit Union and learned they also have a great car buying service! We decided to look into it and ended up with the best customer service, an amazing price, no hassle of going to the dealership, and a brand new 2017 Honda Accord Sport! A year later, we were in need of another car for our growing family. It was an easy decision to go with the credit union and New Cars Inc again. The process and customer service didn’t disappoint once again, and we love our new 2018 Honda CRV! A big thank you to New Cars Inc and ECSFCU!
    Carly and Luke Esquerra