Companies You Can Trust

Companies that are endorsed by Heritage Valley Federal Credit Union have proven reputations you can trust. We have thoroughly investigated the companies, as well as the products and services they offer. However, as any educated consumer should do, we recommend that members take the time to get all of the facts before they purchase any product or service.

These additional insurance option sources are available to you through your credit union membership.

 With all loans, Heritage Valley offers Credit Life & Disability Insurance to our members. Credit Life Insurance provides your survivors with loan repayment coverage if you die. You must be under the age of 65 when the loan is made to obtain either credit life or credit disability payment protection plans.

• Credit Life Insurance is an insurance plan that pays off a loan if the member dies before the loan is repaid. This insurance is offered to all members who have a loan at HVFCU. Any primary member, or both the primary and joint member may elect to have coverage on each loan. 
  
  
• Notice of Increase to Premiums - Effective 5/1/2008 - Click Here

Credit Disability Insurance

With all loans we offer Credit Life & Disability Insurance to our members. Credit Disability Insurance provides you with loan repayment coverage if you become disabled through sickness or an accident for more than 14 days. You must work at least 25 hours a week to qualify for Credit Disability coverage. 

• Credit Disability Insurance is an insurance plan that makes payments to the credit union to reduce or pay off a loan, if the member becomes disabled for a period of at least 14 days.
   
• Notice of Increase to Premiums - Effective 5/1/2008 - Click Here

Guaranteed Asset Protection Insurance (GAP)

GAP Insurance - it's a type of insurance that you can buy for your car loan. If your Heritage Valley financed car is totaled, and you still owe on the loan, but the regular insurance values your car less than you owe, GAP insurance will pay the difference - PLUS give you up to $1000 toward a down payment on your new car! For under $275 for most policies, that's a no-brainer! Ask any Heritage Valley lender for more details. 

•  Protect your financial well-being. Guaranteed Asset Protection (GAP) pays the difference between your vehicle insurance company's settlement and the remaining loan amount (directly related to the vehicle purchase), in the event that your vehicle is stolen or damaged beyond repair. GAP coverage also pays the member $1,000 toward the purchase of a replacement vehicle. 

As an eligible member of Heritage Valley Federal Credit Union you are entitled to receive $1,000.00 of 24-hour Accidental Death and Dismemberment Insurance. There is no cost to you. The credit union pays the premiums. It is just one of the many benefits of credit union membership. Ask for an enrollment form at either office.

The Hospital Accident Protection plan was designed to help our members defray the high cost of hospitalization as a result of an accident. The plan provides cash benefits, paid directly to the members, for each day they are hospitalized. The plan offers two levels of benefits from which to choose - $100 a day or $200 a day, amounts that are doubled if the hospital stay is in intensive care. In addition, the plan offers payment for visits to an emergency room; regardless of the level of coverage, insureds can receive up to $100 per visit resulting from a covered accident. Family coverage is available as well. 

• Guaranteed coverage; no medical exams required
• Benefits are paid in cash for the member to use in any way they wish
• The first two months of coverage are no cost to the member
• Coverage is for covered accidents only; hospitalization due to sickness or disease is not covered
• Highly rated underwriter - Hartford Life and Accident Insurance Company; Hartford Life Insurance Company (NY only)