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Loan Protection

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Debt Cancellation

Safeguard Your Loans

MEMBER’S CHOICE Borrower Security™

Taking out a loan means one of your dreams is about to come true, for example, a new car, boat or home improvement. But what happens when to your dream when the unexpected hits? How can you make sure your family won’t shoulder the financial burden of making loan payments when you can’t?

Now you don’t have to lay awake at night worrying about what will happen if the unexpected strikes because….

MEMBER’S CHOICE Borrower Security™ cancels your eligible loan, up to the agreement maximum, should you die before paying off your loan. In addition, if you become disabled due to a covered illness or injury, or become involuntarily unemployed, MEMBER’S CHOICE™ Borrower Security can cancel your monthly loan payment, up to the agreement maximum.

With MEMBER’S CHOICE™ Borrower Security, you pay low group rates and only buy enough protection to cover your loan balance, making payments truly affordable. Life, Disability and Involuntary Unemployment protection is available on all consumer loans, including credit cards and Home Equity loans.

Other benefits include:
• Protects your credit rating
• Automatic eligibility for most borrowers
• Simple enrollment
• No medical screening
• Convenient …cost included in your payment

Protection Plans Available:

1. Consumer Loan Protection
2. Home Equity Protection
3. Credit Card Protection

Guaranteed Auto Protection Coverage

Did you know that if the vehicle you are now purchasing is totaled, or is stolen and not recovered, your insurance may not pay off the total amount due to your financial institution? Guaranteed Auto Protection pays the difference between the Actual Cash Value (ACV) of your vehicle, which is determined by your primary insurance company, and the unpaid balance that is owed.

Click Here For More Information on GAP Coverage & Calculator

Major Mechanical Protection Coverage

As time goes on, the likelihood of mechanical failure on your vehicle is inevitable. With Major Mechanical Protection, you can protect yourself against the expense of future costly repairs.

Click Here For More Information on MMP Coverage

This page provides links to other websites for convenience and informational purposes only. (Links to other websites open in a new browser window.) Users should be aware that when a link opens to a new browser window in most cases they are leaving the Heritage Family Credit Union website. These linked websites are not under the control of Heritage Family Credit Union, and as such, Heritage Family Credit Union does not take responsibility for the accuracy of the content on any linked website, nor take responsibility for any transmission received from a linked website. The inclusion of a linked website in no way implies any endorsement from the Heritage Family Credit Union of a linked website's content, advertisers or sponsors.
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