Products & Services

Insurance

As a credit union member, there are a variety of insurance products available to you.

The Family Security Plan®, offered by PFP, delivers an array of insurance products designed to meet your specific needs.

  • Whole Life Insurance provides members with immediate, additional coverage that will not end with retirement or increase in cost. You can select a death benefit with a cash value component to help meet your financial needs.
  • Disability Income Insurance helps replace your income in the form of a monthly benefit when you are out of work for an extended time due to an injury or illness.
  • Critical Illness Insurance triggers a lump sum cash benefit sent directly to a policyholder who has been diagnosed with a covered critical illness.
Learn More

For a personal consultation to begin building a customized Family Security Plan®, speak to a dedicated PFP Representative in your local MCU Branch or call 800-257-5030.

Product availability, features, benefits and discounts may vary by state. All insurance products have limitations, exclusions and terms for keeping them in force. The insurance product(s) referenced above and offered for sale at the credit union is not a deposit, is not insured by The National Credit Union Share Insurance Fund, the NCUA, or any other governmental agency or deposit insurance program and is not sold, underwritten or guaranteed by the credit union or any affiliated entity. Municipal Credit Union and PFP are separate and distinct organizations. The Family Security Plan® is an insurance based plan that is offered and promoted by PFP. PFP is not owned in whole or in part by Municipal Credit Union or any of its affiliates or subsidiaries. Municipal Credit Union disclaims any and all responsibility for any claim, right, demand or cause of action which may arise out of, or by reason of, The Family Security Plan® program or any other PFP Insurance program or plan, and/or any act or omission of PFP, its underwriters, agents, servants, employees and assigns. Whole Life Insurance is underwritten by Security Mutual Life Insurance Company of New York, Binghamton, NY (Policy Form No. 2093) CS2754

TruStage

TruStage™ Auto & Home Insurance Program

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get Your Free Quote Today or call 1-855-483-2149

Product availability, features, benefits and discounts may vary by state. All insurance products have limitations, exclusions and terms for keeping them in force. The insurance product(s) referenced above and offered for sale at the credit union is not a deposit, is not insured by The National Credit Union Share Insurance Fund, the NCUA, or any other governmental agency or deposit insurance program and is not sold, underwritten or guaranteed by the credit union or any affiliated entity. Municipal Credit Union and TruStage are separate and distinct organizations.

TruStage™ Auto and Home Insurance program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit and is not federally insured.
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Learn More

TruStage™ Term Life Insurance

As a member of our credit union, you may qualify for up to $250,000 of TruStage term life insurance at rates designed to be affordable. This policy from CMFG Life Insurance Company can help provide a financial safety net for your loved ones when they need it most. Learn more or call 1-855-612-7909 for information and details.

Product availability, features, benefits and discounts may vary by state. All insurance products have limitations, exclusions and terms for keeping them in force. The insurance product(s) referenced above and offered for sale at the credit union is not a deposit, is not insured by The National Credit Union Share Insurance Fund, the NCUA, or any other governmental agency or deposit insurance program and is not sold, underwritten or guaranteed by the credit union or any affiliated entity. Municipal Credit Union and TruStage are separate and distinct organizations.

TruStage™ Term Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. TruStage is not owned in whole or in part by Municipal Credit Union or any of its affiliates or subsidiaries. Municipal Credit Union disclaims any and all responsibility for any claim, right, demand or cause of action which may arise out of, or by reason of, TruStage or any other Insurance program or plan, and/or any act or omission of TruStage, its underwriters, agents, servants, employees and assigns.

ad&dinsurance

TruStage™ AD&D Insurance

$1,000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours.

One of the nice benefits of credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident.

You can get $1000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates.

Sign up for your no-cost or additional protection today.

Product availability, features, benefits and discounts may vary by state. All insurance products have limitations, exclusions and terms for keeping them in force. The insurance product(s) referenced above and offered for sale at the credit union is not a deposit, is not insured by The National Credit Union Share Insurance Fund, the NCUA, or any other governmental agency or deposit insurance program and is not sold, underwritten or guaranteed by the credit union or any affiliated entity. Municipal Credit Union and TruStage are separate and distinct organizations.

TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. TruStage is not owned in whole or in part by Municipal Credit Union or any of its affiliates or subsidiaries. Municipal Credit Union disclaims any and all responsibility for any claim, right, demand or cause of action which may arise out of, or by reason of, TruStage or any other Insurance program or plan, and/or any act or omission of TruStage, its underwriters, agents, servants, employees and assigns.
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Guaranteed Asset Protection (GAP) Insurance

GAP insurance is a way to protect your auto loan. Many times when a car is declared a “total loss” after being stolen or totaled in an accident or natural disaster, you may owe more than your car is worth. GAP insurance helps cancel the difference between the primary insurance settlement and what you might still owe on the loan.

How Does GAP Insurance Work?



  • It is available to MCU members for a small fee of $85.
  • The fee can be included with your monthly payments or made separately through a single payment.
  • If there is a difference between what you owe on your loan and the value of your vehicle, GAP will help pay the difference based on the terms of your member agreement.
  • It can be purchased for an existing auto loan.
  • You can cancel GAP within 90 days for a full refund.
  • Any payments on your vehicle loan that are past due at the time of loss, as well as the member’s deductible amount on the loan, are not covered.

Call 1-800-LOAN-MCU or visit your local branch to find out more about adding GAP to your auto loan today.

Guaranteed Asset Protection (GAP) insurance is offered through Member’s Choice™

The above information is intended to provide a general outline of the benefits of Guaranteed Asset Protection insurance. Certain eligibility requirements, conditions, and exclusions may apply. Be sure to carefully read your MEMBER’S CHOICE GAP waiver or policy/certificate of insurance for complete details, exact terms , conditions and exclusions of the policy . Guaranteed Asset Protection may vary by state.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. This is a voluntary insurance product. Your purchase of Guaranteed Asset Protection 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.

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Routing Transit Number: 226078036