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Life is Unpredictable

There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events to ensure loan payments can be made on time. That’s where Credit Protection comes in.

Under the Credit Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected – and most importantly – that your family is protected.

 

Designed with you in mind

More than ever, we all worry about things that might happen tomorrow. Credit Protection provides an important sense of financial security – knowing your loan will not become a burden to you in times of hardship.

Cancel at any time

You may cancel Credit Protection at any time. If you do so within the first 30 days, we will refund any fees already paid.

Want to learn more?

Talk to a representative today by calling 1 (800) 431-2754 to learn the details about our Credit Protection program.

Availability & Plan Options

Credit Protection is available for closed-end consumer loans, consumer lines of credit, and credit cards. Choose from the plan options listed below:

 Available CoverageCost
DeathDisabilityInvoluntary
Unemployment		Rate per $1,000 of
Death Disability Monthly Loan Balance
SingleJoint
Plan Option 1orange checkmarkorange checkmarkorange checkmark$3.23$5.92
Plan Option 2orange checkmarkorange checkmark $2.69$4.89
Plan Option 3orange checkmark  $0.68$1.06
Plan Option 4 orange checkmark $2.01$3.83

Definitions of Coverage

Death Coverage

Give your family time to get back on their feet financially.

Cancel the remaining loan balance as of date of death (up to $75,000).

Included in Plan Options 1, 2, & 3.

Disability Coverage

Help avoid bills piling up as you try to regain your health and earning capacity. Use this benefit as a supplement to any disability coverage you may have at work.

Cancels payments for as long as you are disabled (aggregate maximum of $75,000, up to $1,000 per month).

Included in Plan Options 1, 2, & 4.

Involuntary Unemployment

Ensure your loan payment will be taken care of as you search for new employment.

Cancel up to 3 payments (aggregate maximum $15,000, up to $1,000 per month).

Included in Plan Option 1.

Disclosures

This product is optional.
Your purchase of Credit Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.

Additional disclosures
We will give you additional information before you are required to pay for Credit Protection. This information will include a copy of the contract containing the terms and conditions of Credit Protection.

Eligibility requirements, conditions, and exclusions
There are eligibility requirements, conditions and exclusions that could prevent you from receiving Credit Protection benefits. You should carefully read your Credit Protection contract for a full explanation of the terms and conditions of the Credit Protection program.
Contact us at: USALLIANCE financial contact us icon +1 (800) 431-2754USALLIANCE financial email icon memberservices@usalliance.org
411 Theodore Fremd Avenue, Suite 350, Rye, NY 10580-1426
Routing number: 221981063

About USALLIANCE

USALLIANCE Financial is a full-service credit union that offers a wide range of banking services. We develop and implement custom-made, secure, and innovative products for many great organizations, in addition to our 110,000 members worldwide.

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