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Protection Plans

Protection Products for your Peace of Mind*

We offer a variety of loan protection programs so you won't have to worry about loan payments or unnecessary costs when unforeseen situations arise. When life takes an unexpected turn, it's good to know that Self-Help Federal CU is here for you.

We offer the following products for greater peace of mind:

Payment Assurance

Thinking about taking out a loan to make home improvements or buy a vehicle?  It can be a financial gamble because life happens. You’re betting you can pay back your loan and you won’t lose your job (due to no fault of your own), or become disabled (due to injury or illness), or pass away—leaving your family responsible for your loan balance.
Payment Assurance is a voluntary loan-payment protection product that helps preserve your family’s standard of living and gives you relief from financial burdens if a protected life event such as disability, loss of life, or involuntary employment happens to you.
  • Involuntary Unemployment Coverage - Pays for up to 6 months (after 30 days)
  • Disability Coverage - Pays for up to 12 months (after 30 days)
  • Life Coverage -Completely pays off the loan upon your death
  • A combination of above

Guaranteed Asset Protection (GAP)

Congratulations - you've just purchased your dream vehicle. To protect your investment, Self-Help Federal CU offers Guaranteed Asset Protection (GAP) a low-cost coverage, which pays for the difference between the insurance company's settlement and the balance owing. Pay a little today for assurance tomorrow.


Did you know that Self-Help Federal Credit Union offers free Accidental Insurance up to $2,000? If you would like to take advantage of this offer or if you would like to increase that coverage up to a max of $300,000 for a low monthly amount please click here. Trustage link - http://www.trustage.com

*Payment Assurance is a debt protection product offered by Self-Help Federal Credit Union.  Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact a loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.  Restrictions apply. Not valid with other offer.  Please ask a representative for details.