Insurance Services

Call and Compare! 1-800-790-3122 and speak to Barry

Your credit union is proud to announce another product to make your life easier: Members’ Auto and Homeowners Insurance made available through Liberty Mutual.

The Members Auto and Home Insurance Program is for you! As a member of RFCU you are eligible for discounted rates on auto, homeowner/tenants, umbrella liability, motorcycle, boat, motor home, and recreational vehicle insurance through a top-rated insurance company--Liberty Mutual.

Liberty Mutual offers a guarantee on your rates for 12 months, convenient payment plans, excellent claims service, and 24-hour emergency roadside assistance. For your free, no-obligation quote call toll-free Monday through Friday 7 am to 10 pm or Saturday 7 am to 5:30 pm EST.

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

Benefits:

Makes your covered loan payments should you become disabled according to policy terms
Fills in the gap many employer policies don't cover
Helps protect savings and credit rating
Is convenient; the premium added into your loan payment
A 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

RFCU is Now Offering Mechanical Breakdown Protection

What is it? Mechanical Breakdown Protection kicks in when the Manufacturer's Warranty on your New or Used car has expired. This is a low cost alternative to Dealer Service Contracts. You can save hundreds of dollars, and the terms and mileage are much more flexible with Mechanical Breakdown Protection from RFCU.

Why should I buy it with a manufacturer's warranty on my car? Statistics show that the big repair bills can come after the manufacturer's warranty has expired. The Premium Value Protection Plan not only covers many more components not covered by the factory drive train warranty, it also provides towing, rental, travel and tire road hazard benefits even during the warranty period.

So when you're ready to finance your next vehicle with RFCU, ask about this protection.

We offer GAP - For The Unexpected

Guaranteed Auto Protection (GAP) is a voluntary program that we offer for your new or used vehicle loan. This financial protection covers the difference in the balance on a car and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair or stolen and never recovered. GAP is a supplemental coverage and does not replace your standard Comprehensive, Collision, and Liability coverage, only enhances them.

No matter how terrific a new car is, the minute you drive it out of the show room it begins to depreciate. Depending on where you live, the established market value could be less than the actual amount you owe on the car. With GAP, if your car is a total loss, the deficiency balance will be covered. That includes the difference between the market value of the car and the loan balance, less delinquent payments, late charges, refundable warranties, and other insurance related charges. It will also cover the insurance deductible up to $1,000 if a deficiency exists.

Consider this: You buy a car. The loan balance after one year is $15,000. The market value is $11,000. Your insurance deductible is $1,000. You total the car, and your insurance company pays $10,000. That leaves a difference of $5,000. $5,000 for a car you no longer have! With GAP, that $5,000 is paid. The one-time premium is $250, which can be financed into your loan. When you apply for your next car loan , ask about GAP.