Insurance Products

Accidental Death & Dismemberment Insurance (AD&D)

Each eligible member is provided with a $2,000 FREE AD&D benefit without cost or obligation. Additional coverage may be purchased at low, affordable group rates.

Automobile GAP (Guaranteed Asset Protection) Insurance

You could lose more than your vehicle if it is stolen or involved in a major accident. For the low cost of $250 you can protect your investment with GAP (Guaranteed Asset Protection). Most insurance policies only cover the value of the vehicle - something that rapidly declines during the first few years of ownership - your loan value could be higher than the value of your vehicle. GAP Insurance protects you for the difference between what your vehicle is worth and the pay-off amount (up to the limits of the coverage you purchase) of your loan in the event your vehicle is damaged beyond repair or stolen.  

When you purchase a vehicle for $30,000 that is what the vehicle is worth. After driving the vehicle for a year the value drops to $20,000 and you still owe $24,000. If you were to get into an accident the insurance company would then pay you for the value of the car not what is owed on the car, leaving you with a $4,000 bill to repay. If you had taken out the GAP policy, then GAP Insurance would cover the $4,000 plus GAP will give you $1,000 towards the purchase of a new vehicle if it's financed through Northeast Community Credit Union.

NEW!!!!!

If you have purchased your vehicle in the last 18 months and did not elect to take the GAP policy at the time of financing you can still purchase GAP Insurance. The GAP insurance can be added to your loan so that you won't have any out of pocket expense.

PLEASE see a loan officer for full details.

Term Life Insurance

If you are like most people, you may already have some life insurance coverage. But, if you haven’t updated it lately, it may not be enough. That’s why we’ve worked hard to develop a life insurance program customized for our members. This program uses the buying power of our strong membership to bring you the most affordable rates on the coverage you may need to protect those you care about the most.

Coverage options

Choose a benefit amount of $10,000, $15,000 or $25,000. Keep in mind, the benefit amount you choose will automatically DOUBLE if you suffer a covered accidental death.

Benefits are NEVER reduced

Long Lasting Coverage until you reach 120 years old

You will never be singled out for a rate increase

30 Day Free Look – Each certificate comes with a money back guarantee for 30 days

Credit Life & Disability Insurance

We offer a credit life and disability insurance plan that will pay off or reduce your loan(s) if you should die or take over your payments (up to the contract limit) if you should become disabled and be unable to continue working. The cost of the premium is included in the loan payment(s).

Pet Insurance

Veterinary Pet Insurance policies provide both protection for pets and peace of mind for pet owners. These policies mean finances won't get in the way of giving your pet the care it needs. The plan covers dogs, cats, birds, and exotic pets for medical problems and conditions relating to accident, illness, or injury.

Pharmacy Cards

Pharmacy Cards allow our members to receive prescription discounts on brand name and generic medications. The cards can be used to supplement most health insurance plans including Health Savings Accounts, high deductible plans, and Medicare Part D cards. The cards will not lower co-payments on prescriptions already covered by insurance benefits but do cover non-formulary medications (prescriptions not covered by health insurance).

Renters' Insurance

Renters' Insurance provides valuable personal property and liability protection for consumers who rent their residences including coverage for clothing, furniture, and most other personal items at replacement cost. A simplified online application process can provide premium quotes and approval in less than five minutes.

Mechanical Breakdown Protection

This product provides you with valuable protection against costly vehicle repairs. You can be sure your investment is protected when faced with an unexpected mechanical or electrical failure. As a result, you will enjoy worry-free driving with the peace of mind that comes from knowing that tomorrow's repair costs is paid for at today's prices.

Home Warranty Plan

Our home warranty plan is an indemnified home service plan which protects homeowners from the high costs associated with home repair and replacement for all of your major appliances and key internal mechanical systems. This product an increase your preace of mind and significantly decrease expenses by providing access to the most comprehensive home service plan available today. This coverage will complement your homeowner's insurance policy.

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