Asset Protection

Member Group Discounts

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

Home & Auto Insurance

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


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.

Get my free proposal

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

Get my free proposal

Loan Payment Protection

When life gets complicated, these easy-to-understand protection programs could help you honor your loan commitments when you can’t work. DFCU offers voluntary loan payment protection, so as a borrower or co-borrower on a consumer loan, you could be protected when life hits you with unexpected events like involuntary unemployment, a disabling injury, or even death. 

  • 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


All of our packages now offer LifePlus benefits, which include the following:

Life Event When Protected LifePlus Benefit
Accidental Dismemberment Loss of eye, foot or hand within 90 days of causal accident Cancels Loan Balance*
Terminal Illness Diagnosis of terminal illness with less than 12 months to live Cancels Loan Balance*
Family Medical Leave 14 consecutive days of unpaid medical leave Cancels up to 3 months/$3,000**
Hospitalization 48 hour hospital stay Cancels up to 3 months/$3,000**
Loss of Life of a Non-Protected Dependent Loss of life of a non-protected dependent Cancels up to 3 months/$3,000**

We have three packages: LifePlus, LifePlus and Disability, and LifePlus, Disability and Involuntary Unemployment. Choose which one fits you.

It's easy to enroll for Payment Protection.

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

*We will cancel 100% of Your Protected Balance as of the date of the event, up to a maximum of $100,000, before the end of the month in which you reach your 70th birthday. After the end of the month during which you reach Your 70th birthday, we will cancel 25% of Your Protected Balance as of the date of the protected event, up to a maximum of $25,000.
**Cancels your monthly loan payment, up to 3 months or $3,000, whichever comes first. 6 month vesting period from the effective date of protection. Cancellation is one time per 12 month period.

Note: LifePlus, Disability and Involuntary Unemployment protection are loan payment protection products offered by DFCU Financial. Payment Protection 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 your loan representative, or refer to the Member Agreement for a full explanation of the terms of Payment Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

Guaranteed Asset Protection (GAP)

Designed to cancel the gap between what your insurance settlement pays and what you owe on your vehicle loan, up to the contract maximums, 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 options - A one-time price for the life of your loan may be added to your monthly consumer loan payments.
    • $525 for auto loans.
    • $550 for power sport, watercraft, or recreational vehicle loans.
  • GAP cancels $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 with deductible assistance on our auto loans provides protection in the event of an accident where your vehicle is not a total loss.
  • GAP is fully refundable if you cancel the protection within the first 90 days of your loan closing - why not purchase GAP?
Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with Us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. DP, GAP-2101893.1-0418-0520.

Mechanical Repair Coverage (MRC)

As your vehicle gets older and miles add up, MRC can help you limit the cost of repairs.


You depend on your car, but big unexpected repairs can happen after your warranty expires. MRC from ForeverCar can help you limit the cost of covered breakdowns and help lighten the financial burden.

Members save an average of 25% on mechanical repair coverage with this exclusive member benefit from DFCU Financial powered by ForeverCar. Not only will you save money on unexpected covered repairs, you could be eligible for the best monthly rate for mechanical repair coverage on the market!


Get my free proposal

Life & Accident Protection Insurance

We are pleased to offer our members Term Life, Whole 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 $100,000 in coverage
  • Members ages 25-69 (coverage ends at age 80)
  • Simple health questions
  • No medical exam
  • Buy online in about 10 minutes1
  • Convenient billing options

Whole Life Insurance

  • Discount group rates with up to $100,000 in coverage
  • Members ages 18-85
  • Simple health questions
  • No medical exam
  • Permanent Protection
  • Price guaranteed for life2
  • Convenient billing options

Guaranteed Acceptance Whole Life Insurance

  • Discount group rates with up to $25,000 Guaranteed Acceptance Whole Life coverage
  • No medical exam; no health questions
  • Can’t be turned down due to health
  • Price & coverage guaranteed for life2
  • Designed for members ages 45-80
  • Convenient payment options

¹If approved and as long as payments are made. Time estimate source: Production WEB Policies Time reporting 2017
²As long as your payments are made

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 CMFG Life
  • Voluntary AD&D - affordable group rates for up to $500,000 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

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.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of
our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

*APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.

DFCU Financial - Copyright © 2023 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, 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 $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.