Credit Life and Credit Disability Insurance

1st Choice Credit Union offers its members Payment Protection credit life and credit disability insurance through CUNA Mutual Group. Credit life insurance pays the outstanding balance on your loan if you die before the loan is paid off. Credit disability insurance provides funds to help you make your loan payments if you are unable to work because of an illness or accident.

Most members are eligible to apply for credit life and credit disability insurance. Coverage is available for single or joint borrowers, at affordable rates, and premiums are automatically added to your loan payments.

Protect yourself and your family from the burden that could result if you die or become disabled. Payment Protection offers the peace of mind that comes from knowing your financial obligations will be met.

Credit Card Options

At 1st Choice Credit Union, we offer the MasterCard® Personal, MasterCard® Secured, MasterCard® Gold and the MasterCard® Platinum credit card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a 1st Choice Credit Union MasterCard®. You’ll enjoy the following benefits:

  • No annual fee
  • 25-day grace period
  • No transaction fee on cash advances from your credit union
    (interest accrues from the day of the advance)

For customer service related issues, please call 833-541-0763.

Click here to view our credit card agreement.

Cash Advance Fee: NONE

Over-Credit-Limit Fee: NONE

Late Payment Fee: 5% of payment, minimum $25, if paid ten (10) or more days after due date. Late payments and over-limit transactions violate your MasterCard® account agreement.

Charges incurred by use of the MasterCard® card are due on receipt of the account statement.

To manage your 1st Choice Credit Union Credit Card click here