USE Credit Union
Investments & Insurance

Credit Protection

Important Coverage That Cancels Or Defers Your Loan Payment During Difficult Times.

Unforeseen circumstances can strike without warning. Whether it’s a job loss or health crisis, it’s nice to know you and your family have one less thing to worry about. Our Credit Protection gives you a choice of life, disability and involuntary unemployment options that cancel your protected loan when the going gets tough.  It’s easy to enroll and your fee can be included in your loan payment. USE Credit union offers protection for consumer loans and credit cards.

Consumer Loan Protection

  • Purchase coverage for up to two borrowers
  • Package options include life, disability, and involuntary unemployment
  • Cancels your loan balance up to $100,000 in the event of death
  • Depending on the option chosen, cancels your monthly loan payment or cancels the interest only up to 12 months or $12,000 if disabled.
  • Depending on the option chosen, cancels your monthly loan payment or cancels the interest only up to 6 months or $3,000 if involuntarily unemployed.

Credit Card Protection

  • Can protect up to two borrowers
  • Package options can include life, disability, and involuntary unemployment.
  • Cancels your monthly loan payment up to 12 months or $12,000 in the event of death.
  • Cancels your monthly loan payment up to 12 months or $12,000 if disabled
  • Cancels your monthly loan payment up to 6 months or $3,000 if involuntarily unemployed.

For more information, stop by your nearest branch or call 866.USE.4.YOU.

Your purchase of USE Credit Protection 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 USE Credit 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. We monitor these relationships closely and welcome your feedback at memberservice@usecu.org.
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866.873.4968
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