Insurance

Member Group Discounts

Before you make your next insurance purchase decision, see how much you can save with one of our trusted partners.

Home & Auto Insurance

Two trusted partners. Two ways to save on your auto and home insurance needs.

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For group discounts for DFCU members, MHA will access multiple insurance companies including Citizens Insurance Company of America, Frankenmuth Insurance, Safeco Insurance, Auto Owners Insurance and more.

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TAH will access Liberty Mutual or Esurance for exclusive group discounts available to DFCU Financial Members for the best rate possible for your unique insurance needs.

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Loan Payment Protection

When life gets complicated, these easy-to-understand coverage programs help you honor your loan commitments when you can’t work.

Debt Protection

Debt Protection is voluntary loan payment protection, so as a borrower or co-borrower on a consumer loan, you're protected in the event of your death. DFCU Financial will cancel or reduce repayment of your loan debt.

  • Loss of life is the protected event with Debt Protection
  • Protect up to $100,000 of your loan balance
  • No medical exams required
  • Easy enrollment - simply apply at the time you take out a loan with us
  • Convenient payment plan - cost may be added to your monthly consumer loan payments

Debt Protection PLUS

Debt Protection-PLUS is voluntary loan payment protection, so as a borrower or co-borrower on a consumer loan, you're protected when life hits with unexpected events like involuntary unemployment, a disabling injury or even death. DFCU Financial will cancel or reduce repayment of your loan debt.

  • Loss of life, disability and involuntary unemployment are protected events with Debt Protection PLUS
  • Protect up to $100,000 of your loan balance
  • No medical exam required
  • Available to most consumer loan members who are actively working 25 hours a week for income at the time they enroll for disability or involuntary unemployment
  • Easy enrollment - simply apply at the time you take out a loan with us
  • Convenient payment plan - cost may be added to your monthly consumer loan payments

It's easy to enroll for Debt Protection or Debt Protection-PLUS.

Just call us at 888.336.2700 and talk to a Member Relations Representative for more information today.

Note: Debt Protection and Debt Protection-PLUS are loan payment protection products offered by DFCU Financial. Debt Protection-PLUS is not available on DFCU Financial Home Equity Term loans. Your purchase of MEMBERS CHOICETM Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact one of our Member Relations Representatives, or refer to the Member Agreement, for a full explanation of the terms of MEMBER'S CHOICETM Borrower Security.

Guaranteed Asset Protection (GAP)

Cover the gap between what your insurance settlement pays and what you owe on your vehicle loan in the event your vehicle is stolen or totaled in an accident.

  • Easy enrollment - simply apply at the time you take out a loan with us
  • Convenient payment plan - $350 one-time price for life of loan may be added to your monthly consumer loan payments – or – add $20 more (or a total of $370) and get GAP-PLUS!
    • GAP-PLUS pays $1,000 of a new loan financed with us within 60 days after primary insurance company issues its check for a replacement vehicle when a total loss occurs.
  • GAP is fully refundable if you cancel the protection within the first 90 days of your loan closing - why not get GAP?

 

Term Life & Accident Protection Insurance

We are pleased to offer our members Term Life, Guaranteed Life and Accidental Death & Dismemberment Insurance; all of which are designed to help provide you with smart ways to protect your family from the effects of the unexpected.

Term Life Insurance

  • Discount group rates with up to $150,000 in coverage
  • $10,000 coverage for dependent children ages 14 days but less than 21 years of age (age 23 if full time student)
  • Members ages 18-64 (coverage ends at age 80)
  • Simple health questions
  • Convenient billing options
Term Life Insurance Application

Guaranteed Issue Term Life Insurance

  • Discount group rates with up to $25,000 Guaranteed Issue Term Life Insurance coverage
  • Guaranteed acceptance; no medical exam required
  • Designed for members ages 45-75
  • Convenient payment options
Guaranteed Issue Term Life Application

Group Accidental Death & Dismemberment Insurance

  • Basic AD&D - free to members ages 18 and older - $2,000 in Basic Accidental Death & Dismemberment Insurance underwritten by New York Life Insurance Company
  • Voluntary AD&D - affordable group rates for up to $300,000 of Voluntary Accidental Death & Dismemberment Insurance available to DFCU Financial members
  • Both have guaranteed acceptance for eligible members; no health questions required
  • Family coverage available
Accidental Death + Dismemberment Application

DFCU Title Agency, LLC

DFCU Title Agency offers highly personalized service and expertise to help you achieve your real estate goals. DFCU Title Agency, LLC is a wholly owned subsidiary of DFCU Financial.

As an authorized agent for First American Title Insurance Company, DFCU Title Agency offers all the resources of a national title insurance underwriter to help make your real estate transactions as smooth as possible. Our knowledgeable local team can assist you with:

  • Document preparation (Deeds and Power of Attorney)
  • Refinance closing and settlements
  • Escrow functions
  • Title search
  • For Sale By Owner (FSBO) Program:

    It can be challenging to sell your home without the guidance of a knowledgeable real estate professional. That’s why we’ve developed materials to guide you through the FSBO process

    • Our FSBO Title Package includes many of the documents and forms needed when selling a home and closing the deal.
      Please Note: The FSBO Title Package is not a complete document set and is intended to be a representative sample of forms needed. There may be additional documents required by law. FSBO clients are advised to seek legal counsel. You may also find additional information on your local county Register of Deeds Web site.
  • Title Insurance Questions and Answers about Title Insurance

The DFCU Title Agency is located at DFCU Financial headquarters:

DFCU Title Agency, LLC
400 Town Center Drive, Suite 106
Dearborn, MI 48126
Phone: 313.216.3200
Fax: 313.216.3201
Email: orders@dfcutitle.com

 

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

 

Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

DFCU Financial - Copyright © 2016 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2006, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA account, and that it be open when Cash Back is deposited. Cash Back to Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.