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Term Life Insurance
Protect Your Loved Ones’ Futures with Term Life Insurance.
Ensure your family’s finances are well taken care of in the event of your unexpected passing. With a Term Life Insurance policy through our trusted partner TruStage®, you can ensure your loved ones’ financial needs are well taken care of in the event of your unexpected passing.
Affordable Term Life Insurance for MCU Members
TruStage® Term Life Insurance gives MCU members access to affordable policies that provide peace of mind and reliable coverage over the length of your policy term. Get started today and set up the terms of coverage.
It’s Never Been Easier to Get Term Life Insurance Coverage.
Being an MCU member can get you access to many options when it comes to finding benefits and policies that fit your budget. Plus, our online application process is streamlined and easy to follow—so you can browse the features you like, and save money by opting out of features you don’t need.
Browse your options, get approved, and get a policy that fits your budget.
Get Life Insurance Coverage for a Specified Term.
TruStage® Term Life Insurance helps protect your family from the loss of your income—providing a financial cushion to take care of funeral expenses, medical bills, and other needs they may have in the future.
Instant Approval, No Exams Needed.
TruStage® doesn’t require any medical exams or intrusive tests. You can get started on setting up your Term Life Insurance as soon as you’re able to fill out an application.
No Health-Related Contingencies—Really.
We would never want our members to worry that a health concern would change their coverage. So even if your health declines, you keep the same coverage you activated when you applied—as long as you pay your premiums, your coverage never decreases.
Get Set Up with Immediate Coverage.
Your Term Life Insurance is activated immediately when your first premium payment is received—so you can enjoy your lower payment, faster, without risking a gap in coverage.
Get No-Strings-Attached Refunds.
Sometimes, members opt to take advantage of benefits elsewhere. If that happens, TruStage® offers a no-strings-attached refund. And if you're dissatisfied for any reason, you can cancel your coverage within 30 days.
Any Life Stage Is Right to Get TruStage®.
Any major life event — getting married, buying a home, changing jobs, having a child, paying for college expenses—is an important time to think about helping protect your family with life insurance.
Can’t Decide? We Can Help.
Everyone’s needs are different, and a licensed TruStage® agent can help you decide what makes sense for your family. Speak to a TruStage® rep at your local MCU Branch or call 1-855-591-9026.
Looking for More Insurance Options?
Enjoy access to affordable rates on comprehensive insurance policies you and your family can count on—all offered to our members through our partnership with TruStage®.
Accidental Death & Dismemberment Insurance
Accidental Death & Dismemberment (AD&D) Insurance is often purchased as a supplement to life insurance and can pay a cash benefit for loss of life, limb, digits, vision, speech, or hearing as a result of an accident.
Auto & Home Insurance
Honoring everyday heroes who bank with MCU is about making membership valuable. To support our members and their families, we partnered with TruStage® to offer our members auto and home insurance that makes top-quality protection affordable.
Guaranteed Asset Protection
Clear the “gap” between what your car was worth before an accident and what you may still owe on it. MCU is here to protect members from all the risks of driving, including owing money toward a loan or lease on a car you can’t use.
Mechanical Breakdown Protection
MCU members keep each other safe even through common vehicle failures. As the cost of repairs and maintenance increases, even for older vehicles, rely on low-cost protection to keep your vehicle safely on the road.
Collateral Protection Insurance
As part of your auto loan obligation, you are required to maintain physical damage insurance coverage until you pay off the loan. If you fail to provide proof of insurance coverage for the life of the loan, MCU will purchase a policy to protect the asset and pass the cost on to you, the borrower.
Whole Life Insurance
Through our partners at PFP, Whole Life Insurance provides permanent coverage for the life of the insured and a savings component to help meet your financial needs. Get immediate coverage that won’t increase in cost.
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.
Checking Accounts
Managing your everyday banking has never been easier. Get paid instantly with direct deposit, manage your money on the go, enjoy easy ATM access, and get real-time transaction updates to keep you on track while you spend.
Savings Accounts
MCU’s savings products make sure each dollar is working harder for you. Whether you’re saving for something specific or just putting money away for a rainy day, MCU has you covered with great rates and a variety of savings options.
IRAs
MCU members can prepare for their financial futures with fixed or variable rate options on both traditional IRAs (designed to allow you to make pre-tax contributions) and Roth IRAs (designed to allow for tax-free qualified distributions upon retiring).
Credit Cards
From building credit to getting cash back on your everyday spending, our VISA® credit card options are designed to meet all of our members’ credit needs. Ready to start swiping? Apply today.
Lending Products
Whether you’re looking to buy a car or a home, pay for something urgent, or finance a special project, MCU has member-friendly terms and low rates for your next big purchase.
Member Resources
Our educational resources are designed to guide you through life’s financial ups and downs with actionable tools and information to help you meet your specific goals.
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.
Make the Most 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)
What to Consider Financially As A First-Time Homebuyer
Mortgages 101: Getting Started on The Path to Homeownership
Ready to Join the MCU Community?
Gain access to the products and services that help our members create a foundation for an excellent financial future—such as competitive rates, personal service, and educational resources to stay in control of your finances.
