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Insurance & Protection

Credit Life Insurance Gap Insurance
Credit Disability Insurance Extended Warranty
TruStage Auto & Homeowners Insurance Program CUNA Investor Guidance Center

Credit Life Insurance
Credit Life insurance on your loan is an affordable way to help ensure a stable financial future for your family. This type of insurance reduces or pays off your covered loan balance at a time when your family would value the security of their home and savings the most.

  • Reduces or pays off your covered loan balance if you die.
  • Protects your family's savings and credit rating.
  • Convenient - premium added to your loan payment .
  • Good Value - you pay only for the coverage that you need.
  • No long application form or physical exam required.

Your helpful, professional STJFCU Staff will be happy to discuss plans and costs.

Credit Disability Insurance
Disability insurance on your loan is the easy way to start planning for the unexpected. It offers simple reassurance that if you become disabled, your loan payments will continue...even when the paychecks don't.

  • Makes your covered loan payments should you become disabled according to policy terms.
  • Fills gaps many employer policies don't cover.
  • Helps protect savings and credit rating.
  • Convenient - premium added to your loan payment.
  • Good value - you pay only for the coverage you need - when the loan is paid off, premium payments and benefits end too.
  • No long application form or physical exam required.

Your helpful, professional STJFCU Staff will be happy to discuss plans and costs.

Gap Insurance
Guaranteed Auto Protection goes above and beyond your automobile coverage. GAP coverage offers you protection against your financial liability when there is a "gap" between what your insurance pays and the balance of your car loan or lease. Here's how it works:

In today's automobile market, during the first few years you own your vehicle, your loan/lease balance can be higher than the actual value of your car (as a result of your car's depreciation, especially if you used a low or no down payment finance option). As your car's value declines, the amount you owe on your loan or lease can be significantly higher. If your car were to be stolen or perhaps totaled in a crash, you would still be liable to pay the difference between the insurance settlement and your outstanding loan/lease balance.

That is where GAP comes in. It covers the difference between the market value of your vehicle (which your auto insurance would pay for) and the amount you owe on the loan.

Extended Warranty
Drive with confidence! The longer you keep your vehicle, the more you risk costly auto repairs.
STJ FCU, in conjunction withAuto Exam Automobile Services is now offering auto-warranties on vehicles 2001 or newerwith up to 120,000 miles. As an exclusive provider to credit unions, Auto Exam has over 15 years of experience working with Credit Unions.

Products now available to you include:

Vehicle Service Contract (VSC)/Mechanical Breakdown Insurance (MBI)

  • Savings up to 50% off comparable dealer plans
  • No reimbursement hassles. Auto Exam pays any licensed repair facility based in the U.S. or Canada directly!
  • Covers more than 12,000 parts (including wear & tear)
  •  100% Money back guarantee program available
  • Convenience of car rental reimbursement for covered repairs
  • Trip interruption protection
  • Reimbursement of towing expenses for the covered vehicle
  • Members who sell their vehicle to a private owner can transfer the coverage for a small fee
  • Protected vehicles have increased value
  • Members will have peace of mind with Auto Exam products

Protect yourself with an extended warranty from your Credit Union! STJFCU will gladly provide you with a free warranty quote at any time.

TruStage Auto & Homeowners Insurance Program



CUNA Investor Guidance Center

CUNA Mutual Group’s Investor Guidance Center is available to help you plan and execute any financial goals you might have such as investing for a child’s college experience, a future wedding, or your retirement. Helping credit union members is our only reason for existence. We can help you over the phone, email and postal mail. What you can expect from us is:
  • Clear, objective advice – recommendations personalized for your individual goals and situation.
  • Experienced financial services professionals – fully registered, licensed and trained.
  • Comprehensive financial choices – a wide array of mutual funds, stocks, bonds, insurance and lifetime income annuities.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.