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Main Branch:
700 E. Sharon Ave.
Houghton, MI 49931

Phone: 906.482.5005
Fax: 906.482.2451

Routing Number: 291172682

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Loan Insurance

Your Credit Union is now offering a variety of affordable insurance products that can be tailored to meet your specific needs. For more information please Click here.

Life is risky! We plan our futures and make daily decisions based on what we know today. We also know that life is filled with many unknowns … unforeseen accidents or illnesses that can be made even worse by the financial burdens in which they often result.

For your peace of mind, your credit union is pleased to offer you important and valuable insurance options which protect you, your loved ones and your credit rating. Because these are group policies offered to all credit union members, premiums are low and are included in your monthly payments.

In addition, “Member’s Choice” insurance offers the following advantages:

* Automatic eligibility for most borrowers
* Simple enrollment process and forms
* No medical screening or physical exams
* Immediate coverage upon closing your loan

Choose either or both of the following options:

Member’s Choice Credit Life Insurance

Credit Life Insurance protects your family in the event you die before your loan is repaid. In this unlikely event , credit life insurance will substantially reduce or pay off the balance of your covered loans.

Is this coverage really necessary? That depends – on your age, your other life insurance and your general finances. If you determine you need this coverage, our loan officers can help you analyze your personal situation.

Member’s Choice Credit Disability Insurance

Credit Disability Insurance protects you and your family in the event you become disabled through a covered illness or accident. If you have this coverage, the insurance will pay your monthly payments until you are able to return to work or your loan is paid in full or you reach you policy maximum.

Again, see one of our member services representatives to determine if this coverage works for you.

Insurance products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the National Credit Union Administration or any other federal government agency.

That there is no requirement or obligation to purchase insurance from the credit union or any subsidiary, affiliate, or particular unaffiliated third party as a condition to obtaining a loan, and a decision as to insurance agents will not affect the credit terms in any way.  The credit union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining an insurance product or annuity from an unaffiliated entity.

Insured by NCUA Federally Insured by NCUA
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