Loan Products

Helps ease the financial burden of your loan obligation. Credit Disability may help make your loan payment, up to the policy maximum, if you become totally disabled due to a covered injury or illness. *

*Your purchase of MEMBER'S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. CDCL-2066899.1-0318-0420

There's no way to predict an unexpected life event. You can take steps to protect your family if the unforseen happens. Credit Life Insurance is designed to help reduce or pay off your eligible loan balance, up to the policy maximum, should an unexpected life event occur. *

With the high cost of automobiles today, GAP Insurance covers the difference between book value (what insurance companies will pay) and what you actually owe (debt), if your automobile is totaled or stolen. In case of a paid GAP claim, GAP Insurance will also provide $1,000 toward your next vehicle, financed through your credit union.

Warranty coverage available on any driveable automobile, at reduced rates. Coverages from Factory type to simple power train coverage. You choose the plan that fits your situation.

Union Trades FCU offers VISA Credit Cards featuring highly competitive interest rates. We have no annual fee, no balance transfer fee, no cash advance fee and a 10-day grace period. Optional Credit Life and Disability Insurance is offered for a low monthly rate.

You must be an active member to apply for these services. Approval is based on credit history and debt-to-income ratio. Ask any member service representative for your application.