Insurance

Credit Life Insurance

For a low monthly fee added to your loan, credit life insurance pays the insured balance of your loan, up to the policy maximum, in the event of your death. This ensures your family will not be left with your loan debt. Ask your loan officer for details on your next visit.


Loan Credit Disability Insurance

In the event you become totally disabled by sickness or an accident, credit disability insurance pays your loan payments up to the policy maximum. The premium for this service is added to your regular loan payments. Contact our loan department for full details.


Mechanical Breakdown Protection

Avoid unexpected auto repair costs with Mechanical Breakdown Protection (MBP)

Many dealerships offer expensive extended warranties, but few cover you as completely as our program. Offered to you at a significant savings, MBP provides some of the most extensive coverage available. The cost for one of our contracts will be 30-50% less than those offered at the dealerships, and will provide these additional benefits:

  • Towing Coverage
  • Rental Car Coverage
  • Trip Interruption
  • 24-hour Roadside Assistance

These plans are affordable and can easily be added to your auto loan. Contact your loan officer today to add MBP to your auto purchase — and drive home your new or used car with peace of mind.

To get a quote on Mechanical Breakdown Protection click here.


GAP Protection

GAP waives the difference between the amount you owe on your vehicle, and what your insurance payout would be if your vehicle was totaled or stolen and not recovered.

The Mission City FCU GAP program waives the difference described above including your insurance deductible (up to $1,000).

The following is a typical example of how GAP Protection works:

Original purchase price . . . . . . . . . . $25,000
Loan balance after one year . . . . . . $20,000
Insurance settlement covering
vehicle’s current value . . . . . . . . . . . $16,000

Your remaining unpaid
loan balance (the “gap”) . . . . . $4,000

GAP Protection waives
the difference . . . . . . . . . . . . . . . . . . $4,000
Should you find a replacement vehicle
and you finance it through MCFCU,
GAP Protection also provides . . . . . $1,000

Total GAP benefit . . . . . . . . . . . $5,000

These plans are affordable and can easily be added to your auto loan. Contact your loan officer today to add GAP Protection to your auto purchase — and drive home your new or used car with peace of mind.

To get a quote on GAP Protection click here.


Accidental Death and Dismemberment Insurance

To show how much we value your membership, Mission City Federal Credit Union is pleased to offer our eligible members age 18 to 74 $2,000 of Accidental Death and Dismemberment (AD & D) Insurance – at no cost to you. Also, due to our group purchasing power, you can elect voluntary coverage up to $300,000 at very affordable rates.

Apply online now for Accidental Death and Dismemberment Insurance here. or call Selman & Company, the plan administrator at 1-877-665-7563. Accidental Death Insurance underwritten by Monumental Life Insurance Company, Baltimore, MD.

Apply now

NOTICE: Insurance products offered are not federally insured – are not obligations of the credit union – are not guaranteed by the credit union – and involve investments risk.

1391 Franklin Street,
Santa Clara, CA 95050

Phone: (408) 244-5818
Toll Free: (888) 361-1894
Fax: (408) 244-9390
Email: memberservices@missioncityfcu.org

Debit Card Lost/Stolen Hotline: (800) 262-2024

Visa Credit Card Lost/Stolen Hotline: (800) 325-3678

Routing Number: 321177447

NMLS # 490777

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