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Credit Insurance

Reduce worry about making loan payments

Protect your payments

It’s an uncertain world, particularly during the pandemic.

Consider credit insurance

Disability, serious illness or death can negatively affect a household’s income and instantly change their standard of living, making financial commitments difficult to meet. Struggling to make loan payments on a reduced income is a heavy burden that can be avoided by purchasing optional credit life and/or credit disability insurance.

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Discuss credit insurance with your loan officer

Speak to your loan officer when you are applying for a loan if you are interested in either or both of these products. The premiums can be added into your monthly loan payment. Premium payments end when your loan ends.

Your purchase of credit insurance is optional and will not affect your application for credit.1

Credit Life & Disability FAQs

Credit life and credit disability insurance is available for members up to age 70. To be eligible for credit disability, the borrower needs to be working at least 25 hours per week.

The price is calculated based on a monthly rate per thousand dollars.  Please see a loan officer for information.

Answers will be supplied at a later date.

Learn more about credit insurance

Visit a branch
Find a location near you
Text us

(325) 677-2274
If you know your loan officer’s name, please reference it in your message.

Call us

(325) 677-2274 or (800) 677-6770

Ask for the Loan Call Center.


1Your base loan interest rate is determined by credit worthiness and will be reduced by .20% with the purchase of credit disability coverage and/or .10% with the purchase of credit life coverage.

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.

For members insured by credit insurance, coverage terminates on the last day of the month during which you reach the Termination Age of 70 for Credit Life and 66 for Credit Disability.