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ALERT:
In Observance of Presidents' Day all MCU branches, and our contact center will be closed Monday, February 19.

NYMCU Digital Banking & the Mobile App will remain available.

 

 

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Auto & Home Insurance

Exclusive Member Discounts on Auto and Home

Honoring everyday heroes who bank with MCU is about making membership valuable. To support our members and their families, we've partnered with TruStage® to provide auto and home insurance that makes top-quality protection affordable.

Enroll Today
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Get Deep Discounts on Top-Tier Auto and Home Policies.

MCU gives you protection at home or on the move. Designed for our members, the TruStage® Auto & Home Insurance Program provides members discounted rates and customized plans combined with convenience and reliable online service.

Get Started

What Could Your Plan Look Like?

MCU members can take advantage of discounts on auto and home for being part of the family. Just sign up through our partner, TruStage®, and get your whole family on one plan.

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Vehicle Damage

A discounted policy with TruStage® Auto & Home Insurance through MCU means you can be ready in the event that you’re in a vehicular accident, whether you're in your car or another driver's vehicle.

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Car Accident Property Damage

TruStage® Auto Insurance is designed to cover property damage caused by car accidents—not just cars—keeping you protected against costs you may not anticipate.

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Bodily Injuries or Loss of Life

Your TruStage® Auto & Home Insurance covers bodily injuries that happen as a result of an accident, including medical bills that can pile up fast. In addition, in the case of loss of life, funeral expenses associated with injuries are covered (subject to policy limits and deductibles).

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Natural Disasters

In the event of a natural disaster—fire, lightning, flooding, etc.—TruStage® Auto & Home Insurance gives you peace of mind so you can focus on what really matters.

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Vandalism and Break-Ins

With TruStage® Auto & Home Insurance, your family is financially protected against missing or destroyed property if you are the victim of a crime like vandalism or a break-in.

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Complete Condo Insurance

Many condo owners don’t choose more than basic protection. From legal costs if you’re sued to typical fire and flood protection, TruStage® Home Insurance has your back.

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Renters Insurance

You may think of rent payments as just a monthly cost, but your rental is your home—and TruStage® Auto & Home Insurance (discounted through your MCU membership) can be an investment in protecting your valuables and your space.

Membership Discounts and Benefits at a Glance

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

Get your free quote today, or call 1-855-483-2149

Claims-Free Discount

Our trusted partner TruStage® offers discounts to safe drivers who maintain continuous years of claims-free driving. Drive with confidence knowing you're rewarded for your commitment to safety.

Multi-Car Discount

The more cars you have, the more you'll save. Get a discount on the same coverage for additional cars you add to your Auto & Home Insurance.

Accident Forgiveness

Take the risk out of your daily commute with accident forgiveness from TruStage® Auto & Home Insurance. Your rates won't rise due to your first accident.

Better Car Replacement

If your car is totaled, you won’t have to worry about relying on the same car again. With this optional feature of your TruStage® Auto & Home Insurance, you can replace your totaled vehicle with one that's a year newer.

24-Hour Claims Assistance

Don't let an accident derail your finances. TruStage® Auto & Home Insurance ensures a seamless claims experience, so you can file a claim or manage an ongoing claim anytime, anywhere.

Better Rates for Members

Enjoy member-exclusive discounts on all of your TruStage® Auto & Home Insurance products—just one more perk of being part of the MCU family.

Serving All the Heroes in Our Community with Better Banking

Whether you want to start building credit, or start growing your savings, your assets, or your family, MCU has a variety of products with competitive rates, member-friendly terms, and the tools you need to build an exceptional financial future.

No Matter Where You Are in Life, We’re Right There with You.

At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.

That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.

Show Me Products For My Life Right Now
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Get the Most Out of Your MCU Membership

Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.

All about Private Mortgage Insurance (PMI)

Have you heard of PMI? PMI, short for Private Mortgage Insurance, is an insurance policy that helps protect the lender if the borrower can't pay their mortgage. ...

What to Consider Financially As A First-Time Homebuyer

So, you’re ready to buy your first home. Congratulations! For many people, taking this step is one of the biggest financial moves they will make in their entire lives. Because of ...

Mortgages 101: Getting Started on The Path to Homeownership

When you embark on the search for a new home, you may think you know the steps to take: Read the listings, visit some open houses, sign on with a Realtor, make an offer. In fact, ...
FAQs

Get Answers to Our Most Frequently Asked Questions.

Do I have to buy auto insurance?

Almost every state requires you to buy auto insurance to protect against liability. And if you're taking out an auto loan to buy your vehicle, MCU requires you to buy an insurance policy to protect its value.

Do I have to buy home or condo insurance?

Unlike auto insurance, it's possible to own a home without carrying insurance in some cases. However, if you have a mortgage on your home, it's likely your lender will require you to carry a homeowner's policy. Also, condominium boards typically require owners to purchase condo insurance whether they have a mortgage or not.

Even if you don't have a mortgage, it's a wise choice to protect the value of your home and its contents with a homeowner's insurance policy. This insurance will also help protect you from liability if someone is injured on your property.

Do I have to buy renters insurance?

And while apartment dwellers are not usually required to buy renters insurance, this relatively low-cost coverage can help reimburse you for loss or damage to personal possessions. It also offers protection from liability if someone were injured in your unit.

What happens when I call TruStage®?

When you call 1-855-483-2149 to claim your member discount, a licensed agent will answer your questions and give you friendly, helpful information — with no sales pressure.

When you're ready to get a quote, an agent will ask you some questions and walk you through your options. It's a good idea to have a copy of your current insurance policy handy to compare coverage and features. That way, it's easy to see how much you could save if you switch companies.

Ready to Join the MCU Community?

Apply now to get access to the competitive rates, reliable banking products, and educational resources you need to create a foundation for an exceptional financial future.

Join Now
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