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Home and Auto Insurance

Auto and Home Owners Insurance

GAP Insurance

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We've joined up with a dedicated team of insurance professionals at TruStage to bring you their outstanding Auto and Home Insurance Program. TruStage Auto and Home Insurance is the property and casualty coverage solution preferred by the most credit unions and their members.

In the event that your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, your insurance company pays the actual cash value of the vehicle at the time of loss - not what the vehicle is really worth to you! You remain liable for payment of the difference between your insurance company's settlement and the balance of your loan. This deficiency, added to the amount of your deductible, time lost from work, rental car costs, replacement vehicle, and other expenses, can easily be thousands of dollars.

What are the details?

  • Provides convenient ways to pay your bills make changes to your policy and even report a claim online
  • Receive fast and easy access to claims service 24-hours a day
  • FREE no obligation quote or locate an agent at the local Liberty Mutual sales office

What are the details?

  • Security, protection and peace of mind
  • All risk protection for new and used vehicles
  • Deductible coverage up to $1,000

What are the rules?

  • Offered by TruStage Insurance Agency, LLC and issued by leading insurance companies
  • Discounts are not available in all states and discounts vary by state
  • Insurance offered is not a deposit and is not federally insured
  • Coverage is not sold or guaranteed by your credit union

What are the rules?

  • Protection is provided for the term of your loan/lease up to 84 months
  • Protection is applicable for vehicles valued up to $100,000 at time of purchase
  • Benefits are paid up to $50,000

For more information about GAP Insurance, please contact one of our Member Service Representatives at 703.706.5000, 800.296.8882.

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Mechanical Breakdown Insurance

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When you buy a new vehicle, you assume the manufacturer's warranty will provide long-term peace of mind. But, in most cases, new car warranties expire long before the repair bills start rolling in. Get all the auto protection you need with an Extended Warranty from our partner Route 66.

What are the details?

  • Competitive rates compared to plans offered by many auto dealers
  • $0 deductible on all plans
  • Coverage available for any age vehicle
  • 24/7/365 Emergency Roadside Service
  • Towing and emergency travel expenses
  • Direct pay to repair facility
  • Rental car allowance
  • Battery coverage
  • Warranty is transferable

What are the rules?

  • Warranty stays in effect if you take your vehicle overseas
  • If your insurance company declares your car a total loss, the entire premium is refunded
  • Open enrollment - you do not have to get an SDFCU auto loan
  • 30-day money back guarantee
  • Complete terms and provisions are contained within each service agreement

Visit the Route66 Website

Life Insurance

Life Insurance

Credit Disability and Life Insurance

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TruStage Life Insurance products are designed to help you protect your assets and the future of your family when the unexpected happens

As a member, credit disability and Life Insurance is available to you for your loans. Credit life insurance is designed to pay off the loan if the borrower dies. Credit disability insurance is designed to take over the loan payments if the borrower becomes disabled. This insurance helps protect your credit rating by ensuring your loan will not end up in default. For a small monthly cost added to the loan balance, you can have payment protection for your loan in the event of death or disability.

What are the details?

  • Provide cash for daily living expenses
  • Fund your children’s education
  • Meet monthly mortgage payments
  • Protect your loved ones’ future

What are the details?

  • It will give you have peace of mind knowing that your loans are covered
  • With this program, there is no need to make separate payments
  • Your loans do not go unpaid, and your credit rating is always protected

What are the rules?

  • Offered by TruStage Insurance Agency, LLC and issued by leading insurance companies
  • Discounts are not available in all states and discounts vary by state
  • Insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union

What are the rules?

  • You pay less as your loan balance decreases
  • You can choose the coverage that is right for you
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Card Based Term Life Insurance

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In partnership with Clements Worldwide, this exclusive member benefit for SDFCU debit and credit cardholders provides protection for a low monthly cost. The term life insurance plan provides coverage for death due to accidents, illness, as well as political violence, terrorism, acts of war, charter flights on a worldwide basis to address the lifestyle and the everyday risks that many members face.

What are the details?

  • Guaranteed admittance up to age 65
  • Avoid lengthy applications and medical tests
  • Worldwide protection 24-hours a day, 365 days a year
  • Convenient automated billing to protect your coverage from lapsing

What are the rules?

  • Policy Limitations and Exclusions: If death occurs for any reason other than injury during the first twelve months of coverage, the Company will only refund premiums paid.
  • Death by suicide is not covered for two years (one year in Colorado, Missouri and North Dakota) from the insured's effective date, and only the premiums paid will be refunded
  • Enrollment is only open to SDFCU credit and debit cardholders between the ages of 18-65 who are in good standing; however, enrolled members may maintain their coverage until age 71. Coverage will expire upon insured's 71st birthday. This insurance is not available in all states
  • A SDFCU debit or credit card is required for payment and eligibility Payments will be automatically deducted from your SDFCU credit or debit card every month. To cancel or make changes to coverage, members must contact Clements Worldwide directly at 1 800-872-0067 ext. 1512 (U.S. and Canada) or +1 202-872-0060 ext. 1512. SDFCU cannot make any changes to your insurance policy or coverage The program provides full benefits for accidental causes of death from the date of enrollment. After enrollment in the program, there is a 12-month waiting period for coverage to begin for death caused by illness. If a claim due to illness arises within the 12-month waiting period, premiums will be refunded. After the 12-month waiting period, death as a result of illness will be covered, subject to the policy's limitations and exclusions. Coverage will continue as long as the group master policy remains in force, you pay your premiums and remain a member of SDFCU in good standing
  • Coverage is available from $75,000 to $250,000 with monthly premiums starting at $19.25 and does not require any lengthy applications or medical tests

If you would like to speak with a representative regarding this Card Based Term Life Insurance, call toll free: 800.693.1087 (U.S. and Canada) or 202.478.6589 (Collect Calls Accepted), or email us

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The Family Security Plan

The Family Security Plan

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The Family Security Plan was created to protect credit union members and their families from the financial hardships that are brought on by death, disability or sickness. Your family relies on your income to maintain their standard of living. If for some reason you can no longer provide for your family financially, whether it be your premature death, unforeseen injury or sickness, The Family Security Plan will be there for you.

What are the details?

  • Mortgage/Rent Payments
  • Children's Education and Daycare Costs
  • Outstanding Debts
  • Medical Bills or Burial Expenses
  • Annual Living Expenses (Food, Clothing, Utilities etc.)

What are the rules?

  • When your term life insurance contracts and group policies have ended, you will have comfort in knowing that you had the opportunity to purchase permanent protection at competitive rates

Visit The Family Security Plan


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