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Before you make your next insurance purchase decision, see how much you can save with us or one of our trusted partners.

Home & Auto Insurance

Two trusted partners. Two ways to save on your auto and home insurance needs.

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For group discounts for DFCU members, MHA will access multiple insurance companies including Citizens Insurance Company of America, Frankenmuth Insurance, Safeco Insurance, Auto Owners Insurance and more.

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MHA works with carriers focused on Michigan
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TruStage will access Liberty Mutual for exclusive group discounts available to DFCU Financial Members for the best rate possible for your unique insurance needs.

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Trusstage and Liberty Mutual is available to members nationwide
 

Loan Payment Protection

When life gets complicated, these easy-to-understand protection programs could help you honor your loan commitments when you can’t work. DFCU offers voluntary loan payment protection, so as a borrower or co-borrower on a consumer loan, you could be protected when life hits you with unexpected events like involuntary unemployment, a disabling injury, or even death. 

  • No medical exams required
  • Easy enrollment - simply apply at the time you take out a loan with us
  • Convenient payment plan - cost may be added to your monthly consumer loan payments
 

LifePlus

All of our packages now offer LifePlus benefits, which include the following:

Life Event When Protected LifePlus Benefit
Accidental Dismemberment Loss of eye, foot or hand within 90 days of causal accident Cancels Loan Balance*
Terminal Illness Diagnosis of terminal illness with less than 12 months to live Cancels Loan Balance*
Family Medical Leave 14 consecutive days of unpaid medical leave Cancels up to 3 months/$3,000**
Hospitalization 48 hour hospital stay Cancels up to 3 months/$3,000**
Loss of Life of a Non-Protected Dependent Loss of life of a non-protected dependent Cancels up to 3 months/$3,000**

We have three packages: LifePlus, LifePlus and Disability, and LifePlus, Disability and Involuntary Unemployment. Choose which one fits you.

It's easy to enroll for Payment Protection.

Just call us at 888.336.2700 and talk to a Member Relations Representative for more information today.

*We will cancel 100% of Your Protected Balance as of the date of the event, up to a maximum of $100,000, before the end of the month in which you reach your 70th birthday. After the end of the month during which you reach Your 70th birthday, we will cancel 25% of Your Protected Balance as of the date of the protected event, up to a maximum of $25,000.
**Cancels your monthly loan payment, up to 3 months or $3,000, whichever comes first. 6 month vesting period from the effective date of protection. Cancellation is one time per 12 month period.

Note: LifePlus, Disability and Involuntary Unemployment protection are loan payment protection products offered by DFCU Financial. Payment Protection is not available on DFCU Financial Home Equity Term loans. Your purchase of MEMBERS CHOICETM Borrower Security 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 Member Agreement for a full explanation of the terms of Payment Protection. 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.

Guaranteed Asset Protection (GAP)

Designed to cancel the gap between what your insurance settlement pays and what you owe on your vehicle loan, up to the contract maximums, in the event your vehicle is stolen or totaled in an accident.

  • Easy enrollment - simply apply at the time you take out a loan with us.
  • Convenient payment options - A one-time price for the life of your loan may be added to your monthly consumer loan payments.
    • $599 for auto loans.
    • $599 for power sport, watercraft, or recreational vehicle loans.
  • GAP cancels $1,000 of a new loan financed with us within 120 days after primary insurance company issues its check for a replacement vehicle when a total loss occurs.
  • GAP with deductible assistance on our auto loans provides protection in the event of an accident where your vehicle is not a total loss.
  • GAP is fully refundable if you cancel the protection within the first 90 days of your loan closing - why not purchase GAP?
Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with Us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. DP, GAP-2101893.1-0418-0520.

Life & Accident Protection Insurance

We are pleased to offer our members Term Life, Whole Life, Guaranteed Life and Accidental Death & Dismemberment Insurance; all of which are designed to help provide you with smart ways to protect your family from the effects of the unexpected.

Term Life Insurance

 

  • Discount group rates with up to $100,000 in coverage
  • Members ages 25-69 (coverage ends at age 80)
  • Simple health questions
  • No medical exam
  • Buy online in about 10 minutes1
  • Convenient billing options

Whole Life Insurance

  • Discount group rates with up to $100,000 in coverage
  • Members ages 18-85
  • Simple health questions
  • No medical exam
  • Permanent Protection
  • Price guaranteed for life2
  • Convenient billing options

Guaranteed Acceptance Whole Life Insurance

  • Discount group rates with up to $25,000 Guaranteed Acceptance Whole Life coverage
  • No medical exam; no health questions
  • Can’t be turned down due to health
  • Price & coverage guaranteed for life2
  • Designed for members ages 45-80
  • Convenient payment options

¹If approved and as long as payments are made. Time estimate source: TruStage.com Production WEB Policies Time reporting 2017
²As long as your payments are made

Group Accidental Death & Dismemberment Insurance

  • Basic AD&D - free to members ages 18 and older - $2,000 in Basic Accidental Death & Dismemberment Insurance underwritten by CMFG Life
  • Voluntary AD&D - affordable group rates for up to $500,000 of Voluntary Accidental Death & Dismemberment Insurance available to DFCU Financial members
  • Both have guaranteed acceptance for eligible members; no health questions required
  • Family coverage available

Mechanical Repair Coverage (MRC)

The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs.

With Mechanical Repair Coverage you can enjoy many valuable benefits:

  • Substitute transportation: up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for traditional rental car or rideshare are available.

  • 24-emergency roadside assistance: up to $125 per occurrence, includes towing, battery jumpstart, fluid delivery, flat tire assistance, lock-out service, and extracting your vehicle from an inaccessible area within 50 feet of a paved road or highway.

  • No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair.

Click here to view the available plans and coverage options.

Protect yourself from unexpected costly covered repairs. Stop in at your local branch or give us a call to find out what Mechanical Repair Coverage plan is right for you.

 

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.

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