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Whole Life Insurance
Get Peace of Mind with Whole Life Insurance.
Things can happen—with a Whole Life Insurance policy through our trusted partners at The Family Security Plan®, you can rest easy knowing that your family will be financially protected.
Affordable Whole Life Insurance for MCU Members
The Family Security Plan® Whole Life Insurance provides permanent coverage for the life of the insured, with affordable policies to help meet your financial needs. Get started with immediate coverage that won’t increase in cost over the life of your policy.
What Does a Whole Life Insurance Policy Get You?
MCU’s partnership with The Family Security Plan® provides Whole Life Insurance that gives families complete coverage and a payout that can cover expenses like medical bills, funeral costs, and even regular household bills.
Ready to Join the MCU Community?
Gain access to the products and services that help our members create a foundation for an exceptional financial future—such as competitive rates, member-focused banking, and educational resources to stay in control of your finances.
What Does a Whole Life Insurance Policy Get You?
MCU’s partnership with The Family Security Plan® provides Whole Life Insurance that gives families complete coverage and a payout that can cover expenses like medical bills, funeral costs, and even regular household bills.
Locked-In Premium Rates
Don’t expect your rates to change as long as you pay your premiums. You choose your benefit amount and the premium amount that will fit your budget—the policy is yours to keep even if you have a change in employment or health.
Protection as an Investment
Payment of the scheduled premiums will produce guaranteed* cash values, much like the equity in your home. You can treat this as another way to build your savings and interest accrues at a fixed rate and on a tax-deferred basis.
Critical Illness Insurance
Critical Illness Insurance triggers a lump sum cash benefit to be sent directly to a policyholder who has been diagnosed with one of many covered critical illnesses. You can select your coverage terms.
Paid-Up Coverage
Paid-Up Life Insurance allows you to keep your policy without paying any additional premiums. Once you’ve built up a cash value in your policy, you can use it to purchase a reduced policy amount, and make no further premium payments.
Get Approved and Manage Coverage Online
Find out if you’re approved in minutes—no waiting for a letter in the mail. Then, manage your policy and pay your premiums online. Speak to a PFP rep at your local MCU Branch or call 800-257-5030.
Looking for More Insurance Options?
Enjoy access to affordable rates on comprehensive insurance policies you and your family can count on.
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 your loss 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.
Term Life Insurance
Protect your family from suffering the loss of your income in the case that you pass away. TruStage® Term Life Insurance provides your loved ones with funds to assist with their future financial needs.
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.
Avoid Tax Scams
The Smart Borrower’s Guide
Personal Loans vs. Credit Cards
Ready to Join the MCU Community?
Gain access to the products and services that help our members create a foundation for an exceptional financial future—such as competitive rates, personalized service, and educational resources to help you stay in control of your finances.
